Is it necessary to pay medical insurance?

No, medical insurance is not compulsory;

1. According to relevant laws and regulations, employers and workers must participate in social security and pay social insurance premiums according to law. According to the "Provisional Regulations on the Collection and Payment of Social Insurance Fees", employers must pay basic medical insurance for employees. For employees who only pay endowment insurance but not medical insurance, as employees, they have the right to complain to the local administrative supervision department of labor security, which will verify and handle it. When it is really difficult for the employer to pay the fee, it must submit a written application 15 days in advance, and it can be postponed after being approved by the medical insurance agency. The longest deferred payment period is two months, and only one deferred payment is approved every year.

2, in addition to the employer and employees, other personnel can choose whether to pay medical insurance. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Characteristics of social security

1. Supportability: refers to guaranteeing the basic livelihood of workers.

2. Universality: Social insurance covers all social workers.

3. Mutual assistance: Use the joint efforts of the insured to help a person in danger, help each other and meet emergency needs.

4. Mandatory: Limited by national legislation, employers and employees are required to participate.

5. Welfare: Social insurance is a kind of government behavior, not for profit.

As can be seen from the above, medical insurance is not necessary. The payment of medical insurance is not mandatory, and can be decided according to the specific situation and needs of individuals.

Legal basis:

Social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.