Is it cost-effective for individuals to pay endowment insurance and medical insurance?

There is no question of cost performance, because the pension and medical insurance you pay are for yourself. Of course, if there is a unit, the insurance premium will be paid jointly by the unit and the individual, and the personal burden will be lighter. The amount of pension has nothing to do with whether you pay by the company or by individuals, but with the amount paid and the length of years.