Why does the company buy social security without medical insurance?

1. The Social Insurance Law stipulates that all employers and individuals must pay social insurance. There are five types of social insurance, namely, pension, medical care, unemployment, work injury and maternity insurance. Among them, pension, medical care and unemployment insurance are jointly paid by the unit and individual employees in proportion, while work-related injury and maternity insurance are paid by the unit, and individual employees do not pay work-related injury and maternity insurance premiums.

If you don't pay work-related injury insurance, there are two possibilities. 1 is a white-collar worker working in the company, and the working environment is completely risk-free. The company does not need to bear the relevant risks, and industrial injury insurance will definitely not buy it for you. The second possibility is that the work risk is too high and the insurance company refuses to underwrite it. No insurance company is willing to underwrite it, and money can't buy it. Naturally I can't buy it for you.

Unemployment insurance, if there is a contract to buy five insurances, go to the company to buy it. It is not illegal for a company not to pay without a contract.

Maternity insurance, now maternity insurance is included in medical insurance.

Two, "social insurance declaration and payment regulations (Draft)" is to solicit opinions from all walks of life. According to the provisions of the draft, if the employer does not insure employees with five insurances (note: the scope of compulsory insurance is expanded from three insurances to five insurances), it will be allocated by the bank. If the balance of the employer's account is less than the social insurance premium that should be paid, the social security institution may apply to the people's court to seal up, detain or auction its property, and use the proceeds from the auction to offset the social insurance premium.

If the employer fails to pay in full and on time, it will bear legal responsibility and impose a fine of more than 3 times the total salary/kloc-0.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.