What are the conditions for individuals to buy social insurance

The conditions for individuals to purchase social insurance are that they are over 16 years old, have not reached retirement age, have not participated in the basic pension insurance of urban enterprises, and that they can only purchase medical insurance and pension insurance in their personal capacity. The rest is like maternity insurance, unemployment insurance, work injury insurance, all must be established after the labor relationship, in the name of the employer to pay.

What are the conditions for purchasing social insurance?

(1) age 16 years old or older, not yet reached retirement age. Healthy urban and rural residents who can work or labor normally.

(2) Not participating in the basic pension insurance of urban enterprises.

(3) Have a household registration in the city (including rural household registration).

2. What are the rules about pension insurance?

The Social Insurance Law of the People's Republic of China

Article 10 Employees shall participate in basic pension insurance, and the employer and the employee*** shall pay the basic pension insurance premiums together.

Individual industrial and commercial households without employees, part-time workers who do not participate in basic pension insurance with their employers, and other flexibly employed persons may participate in basic pension insurance and pay basic pension insurance premiums by themselves.

The methods of pension insurance for civil servants and staff members administered under the civil service law shall be prescribed by the State Council.

Article 11 The basic pension insurance shall be a combination of social coordination and individual accounts.

The basic pension insurance fund consists of contributions from employers and individuals as well as government subsidies.

Article 12 The employer shall pay the basic pension insurance premiums in accordance with the proportion of the total wages of the employees of the employer as stipulated by the state, which shall be credited to the basic pension insurance fund.

Employees shall contribute to the basic pension insurance premiums in accordance with the proportion of their own wages as stipulated by the state, which shall be credited to their individual accounts.

Individual industrial and commercial households without employees, part-time workers who do not participate in basic pension insurance with their employers, and other flexibly employed persons participating in basic pension insurance shall pay basic pension insurance premiums in accordance with the state regulations, and the premiums shall be credited to the basic pension insurance general fund and the individual account respectively.

Article 13 The basic pension insurance premiums to be paid during the deemed contribution period before the employees of state-owned enterprises and institutions participate in basic pension insurance shall be borne by the government.

The government shall subsidize the basic pension insurance fund in case of insufficient payment.

Article 14 The individual account shall not be withdrawn in advance, the interest rate shall not be lower than the bank time deposit rate, exempt from interest tax. If an individual dies, the balance of the individual account can be inherited.

Article 15 The basic pension consists of the integrated pension and individual account pension.

The basic pension is determined according to the cumulative number of years of individual contributions, contribution wages, the average wage of local workers, the amount of individual accounts, the average life expectancy of the urban population and other factors.

Article 16 Individuals participating in basic pension insurance shall receive a monthly basic pension if they have contributed for fifteen years by the time they reach the legal retirement age.

Individuals who participate in basic pension insurance and have contributed less than fifteen years of contributions by the time they reach the legal retirement age may contribute until they reach fifteen years and receive a monthly basic pension; they may also be transferred to a new type of rural social pension insurance or urban residents' social pension insurance, and enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Article 17

Individuals participating in the basic pension insurance, due to illness or non-work-related death, the survivors can receive funeral grants and pensions; in the case of disability due to illness or non-work-related total loss of working capacity before reaching the statutory retirement age, you can receive a disability allowance. The required funds from the basic pension insurance fund.

Article 18 The state to establish a normal adjustment mechanism for basic pensions. According to the growth of the average salary of employees, price increases, increase the level of basic pension insurance benefits in due course.

Article 19

If an individual is employed across the integrated region, the basic pension insurance relationship is transferred with the individual, and the years of contributions are cumulative. When an individual reaches the statutory retirement age, the basic pension is calculated in segments and paid uniformly. Specific measures shall be prescribed by the State Council.

Article 20 The state to establish and improve the new rural social pension insurance system.

New rural social pension insurance implementation of individual contributions, collective subsidies and government subsidies.

Article 21 The new rural social pension insurance treatment consists of a basic pension and personal account pension.

Rural residents participating in the new rural social pension insurance, meet the conditions set by the state, receive the new rural social pension insurance benefits on a monthly basis.

Article 22 The State shall establish and improve the social pension insurance system for urban residents.

The people's governments of provinces, autonomous regions and municipalities directly under the central government may, in the light of the actual situation, combine the social pension insurance for urban residents with the new rural social pension insurance.

In social life, freelancers can only pay for social insurance in their own name, and some of them may entrust the company to participate in other social insurance, but there is a legal risk of doing so, in addition to purchasing social security for the workers in the labor relationship, the employer is also obliged to pay the housing fund for the workers.