Can I buy medical insurance directly instead of social security?

You can choose to buy medical insurance directly instead of social security.

Medical insurance and social security are two different concepts. Medical insurance refers to medical insurance, and social security refers to social insurance. Medical insurance is to let the insured enjoy the protection given by the government in medical care, while social security is to protect the basic rights and interests of employees, including pension, medical care, unemployment, work injury, maternity and other aspects. Participating in social security is an obligation stipulated by law, and most employees need to pay social security fees on time during the normal work of the unit. Medical insurance is voluntary according to individual needs, and you can choose to buy medical insurance in medical insurance institutions. So you can choose to buy only medical insurance and not social security.

The consequences of buying medical insurance directly without buying social security;

1, unable to enjoy social security-related rights and interests: social security provides basic protection for employees, including pension, medical care, unemployment, work injury, maternity and other aspects. You can't enjoy these rights if you don't participate in social security;

2. Affect the long-term interests of individuals: Social security is to protect the basic rights and interests of employees, but also for the long-term interests of employees. If you don't participate in social security, retirement and illness may face greater economic pressure;

3, may face legal responsibility: refusing to participate in social security is a violation of national laws and regulations, and may face legal responsibility. In some cases, units or individuals may be fined, and may even be investigated for criminal responsibility.

To sum up, the coverage and standards of medical insurance and social security are different. Buying medical insurance can only enjoy medical insurance, and social security can enjoy more comprehensive protection. Medical insurance and social security policies are different in different regions, and the specific situation needs to be selected according to local policies and regulations.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

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.