Do you still have to pay medical insurance after paying five insurances and one gold?

You don't have to pay medical insurance if you pay five insurances and one gold. Five insurances and one gold include social security, so you don't have to pay social security if you pay five insurances and one gold. Five insurances and one gold include basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and housing accumulation fund. The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration and pay social insurance premiums for employees.

Because the reimbursement ratio of medical insurance and rural cooperative is different, it is better to pay five insurances. Rural cooperative medical care has low payment and low security. If you go to a municipal hospital for treatment, you can generally reimburse about 20%. Social security medical payment is high, and it can also be reimbursed about 60%. Medical expenses are rising too fast. If economic conditions permit, it is best to go to social security medical care. The new rural cooperative medical system refers to the new rural cooperative medical system which is organized, guided and supported by the government, voluntarily participated by farmers, and raised by individuals, collectives and the government, and is based on the overall planning of serious illness. If we want to cancel rural medical insurance, as long as we don't continue to pay it when we ask for it next year. Medical insurance refers to social medical insurance. It is a social insurance system that meets the basic medical needs of the state and society according to laws and regulations when workers are sick.

Personal account of medical insurance is a special account established according to the basic medical insurance policy, which is specially used to store the medical insurance premiums paid by the insured and the funds allocated by the employer according to a certain proportion, and record the medical consumption. The funds in the personal account are used to pay for the out-of-pocket part of medical treatment and medicine purchase.

The main contents of the five risks:

1. Old-age insurance: Old-age insurance is a social insurance system that the government and society give certain economic compensation, material help and services to workers after they reach the statutory retirement age;

2. Medical insurance: The basic medical insurance system for urban employees is a social insurance system established to ensure the basic medical needs of employees according to the affordability of finance, enterprises and individuals;

3. Work-related injury insurance: Work-related injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and relatives of the deceased;

4. Unemployment insurance: unemployment insurance is a system enforced by the state through legislation and established by the society to provide material assistance to workers who have temporarily suspended their livelihood due to unemployment;

5. Maternity insurance: Maternity insurance is aimed at the physiological characteristics of reproductive behavior. According to the law, when working women temporarily stop working and lose their normal income due to childbirth, maternity insurance is provided by the state or society. Maternity insurance benefits include maternity allowance and maternity medical services.

legal ground

People's Republic of China (PRC) social insurance law

second

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should 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 27

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.