Does the basic endowment insurance include medical insurance?

Endowment insurance does not include medical insurance. Basic old-age insurance and medical insurance are separate types of insurance in social security, and there is no inclusion relationship. If the employer pays five insurances and one gold for employees, it includes endowment insurance and medical insurance. As an individual with flexible employment, you can choose to pay employee pension insurance or employee medical insurance. Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

The differences between medical insurance and social security are as follows:

1, different concepts.

Social security is the abbreviation of social insurance, which is a social and economic system that provides income or compensation for people who have lost their ability to work, are temporarily unemployed or suffer losses due to health reasons. The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability. The main items of social insurance include old-age social insurance, medical social insurance, unemployment insurance, industrial injury insurance and maternity insurance.

Medical insurance is the abbreviation of medical insurance, which is the insurance to compensate the medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste.

2. Different roles

Social security can provide economic security for the insured within the scope of basic medical insurance, basic endowment insurance, industrial injury insurance, unemployment insurance and maternity insurance. Because social insurance is a government act, it is mandatory. Employers (or institutions) should sign labor contracts when hiring employees, and employers (or institutions) should handle social insurance for employees, which is the social responsibility and obligation of employers. Individuals can participate in social security as freelancers, and then they have to fulfill the obligation of timely, full and continuous payment. When the insured encounters the above problems, he can get relevant economic security.

Medical insurance is mainly the guarantee that patients can pay medical expenses when they are sick.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 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 in case of old age, illness, industrial injury, unemployment and maternity.