Can Hangzhou only pay medical insurance but not social security?

Hangzhou can't just pay medical insurance without paying social security.

First, the relationship and definition of social security and medical insurance

Social security, that is, social insurance, refers to the insurance organized by the state through legislation to maintain basic living conditions and promote social stability for workers and their families who rely on labor income. It mainly includes five types of insurance: old-age insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, aiming at ensuring that workers can maintain their basic livelihood when facing various risks.

Medical insurance, that is, medical insurance, is an important part of the social security system, which aims to provide medical expenses reimbursement services for the insured and reduce the economic burden caused by illness. Medical insurance is usually tied to the social security system. As a part of social security, * * * together constitute the basic social security for workers.

Second, Hangzhou social security and medical insurance policies

In Hangzhou, social security and medical insurance are closely linked, so you can't choose to pay only medical insurance and not social security. According to Hangzhou's social security policy, after the laborer takes part in the work, the employer should pay social insurance premiums for him according to law, including pension, medical care, unemployment, work injury and maternity. While enjoying medical insurance benefits, individuals also need to bear the corresponding social security payment obligations.

In addition, Hangzhou has implemented some medical insurance policies for specific groups, such as basic medical insurance for urban and rural residents and serious illness insurance, but these policies still need to be carried out within the framework of social security system. Therefore, in Hangzhou, workers can't choose to pay only medical insurance and not social security.

Third, the potential risks of paying only medical insurance.

If workers only pay medical insurance but not social security, they will face the following potential risks:

1. Can't enjoy complete social security benefits: social security includes not only medical insurance, but also pension, unemployment, work injury, maternity and other insurance. Paying only medical insurance will cause workers to be unable to obtain corresponding protection when facing other risks.

2. Impact on personal credit records: Failure to pay social security fees as required may affect personal credit records, which in turn will affect future economic activities such as loans and house purchases.

3. Possible violation of laws and regulations: According to the Social Insurance Law of People's Republic of China (PRC), employers and individuals shall pay social insurance premiums according to law. Paying only medical insurance and not paying social security may constitute an illegal act and need to bear corresponding legal responsibilities.

To sum up:

In Hangzhou, workers can't choose to pay only medical insurance and not social security. Social security and medical insurance are closely linked, which together constitute the basic social security for workers. Paying only medical insurance will lead to workers not enjoying complete social security benefits, affecting personal credit records and possibly violating laws and regulations. Therefore, it is suggested that workers fully understand the social security and medical insurance policies when they take part in the work to ensure that their rights and interests are fully protected.

Legal basis:

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

Article 10 stipulates:

Employees should participate in basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance. Employers and employees shall pay basic old-age insurance premiums, basic medical insurance premiums and unemployment insurance premiums in accordance with the provisions of the state. Work-related injury insurance and maternity insurance premiums shall be paid by employers, and employees shall not pay work-related injury insurance premiums and maternity insurance premiums.

Measures of Hangzhou Municipality on the Administration of Collection and Payment of Social Insurance Fees

Article 6 provides that:

Payment units and individuals shall pay social insurance premiums in full and on time. The social insurance premiums collected shall be incorporated into the social insurance fund for special purposes, and no unit or individual may misappropriate them.

The above legal basis shows that workers working in Hangzhou should pay social insurance premiums, including medical insurance, and cannot choose to pay only medical insurance and not social security.