How do individuals buy five insurances and one gold?

Individuals purchase five insurances and one gold as follows:

1, local people need to buy social security, they can go directly to the local local tax bureau to buy it, and the individual affiliated unit handles social security in the name of human resources company;

2. Individuals sign agency contracts with human resources agency companies, submit relevant materials, and pay social security fees and service fees. (Social insurance premium: composed of enterprise payment part and individual payment part), which is purchased by the unit to which the individual belongs, and the total social insurance premium is paid by the individual. The agency pays social security fees for individuals on a monthly basis. Individuals can check the details of social security purchased by themselves on the social security bureau network (or local tax network) and get the social security card the next month (before). People who need affiliated units to buy social security: freelancers, entrepreneurs, flexible employees, temporarily unemployed or short-term workers;

3. People who buy social security by calling a human resources company in their own name are mainly for enjoying: old-age insurance, maternity insurance and medical insurance. There is also no work-related injury and unemployment insurance (both work-related injury and unemployment insurance are paid by the unit for employees, but there is no labor relationship if the individual is affiliated with the human resources company, and the agency company cannot prove that the individual has a work-related injury or is unemployed without his will); Anyone's unemployment insurance is unemployment against his will, such as enterprise closure, enterprise layoffs, enterprise failure to renew the contract and so on. Industrial injury insurance is also a state of working in a normal unit. Only when you are injured at work can you enjoy the treatment of industrial injury insurance.

What matters should individuals pay attention to when participating in five insurances and one gold?

1, you can only participate in pension, maternity and medical insurance, but you can't participate in work injury and unemployment insurance;

2, the insured for the first time to pay 6 months after the occurrence of serious illness medical expenses, can enjoy the treatment of serious illness medical insurance. The insured who participates in medical insurance for serious illness must pay the fee continuously without interruption. If it is not paid within three months, it shall be regarded as intermittent payment. If the payment has been continuous for 5 years before the interruption and the medical expenses for serious illness have not been reimbursed, the time before and after the re-payment will be calculated continuously; Pay less than 5 years or over 5 years but enjoy the treatment of medical insurance for serious illness, and enjoy the treatment of medical insurance for serious illness after 6 months according to the provisions of these measures;

3. If you don't use the 18 ID card when handling the bank's "medical insurance debit card", please change it at the bank in time and register with the employment agency or talent, otherwise the social security center will not be able to transfer money normally;

4. Ensure that the deposit in the "medical insurance debit card" of the bank is credited enough, and there is at least a balance of 65,438+00 yuan after being credited;

5. Please receive the "Medical Insurance Manual of this Municipality" within 2 months after completing the insurance procedures. If you haven't received the medical manual for more than 6 months, you need to reapply (it takes 1-2 weeks).

To sum up, it is paid as a flexible employee. If you are a local hukou, you can participate in pension and medical insurance as a flexible employee. To establish labor relations with the employer, the employer shall register social security for it and pay social security and provident fund for it every month as required. But individuals can only pay endowment insurance and medical insurance. Other types of insurance cannot be paid.

Legal basis:

Article 58 of People's Republic of China (PRC) Social Insurance Law

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.