Do flexible employees have to pay medical insurance after paying social security?

According to the way of flexible employment, you can choose to pay employee pension insurance and employee medical insurance.

These two kinds of insurance can be insured at the same time. If you don't participate in employee medical insurance, you only participate in employee pension insurance alone, and you can't enjoy the reimbursement of employee medical insurance. You need to buy a medical insurance for urban and rural residents separately. It is no problem to participate in urban and rural medical insurance and enjoy employee medical insurance reimbursement without participating in employee medical insurance.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks.

The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

Extended data:

Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons.

The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

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.

In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system.

In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility. However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.

Function:

1. The function of stabilizing social life

2. The function of redistribution

3. The function of promoting social and economic development: First, the social insurance system plays an important role as an important tool for demand management, thus playing an active role in the economy; Second, the effective use of social insurance funds can promote the sustained prosperity of the economy; Third, social security has become the basic condition for enterprises to recruit talents.

In reality, the more developed areas, the more employees pay attention to social security. Especially in first-tier cities, social security has become an important criterion for finding a job because it is linked to the qualification of buying a house and a car.

Social insurance must work out a certain proportion of the insured's burden according to the probability of various risk accidents and the total payment expenditure estimated in advance according to the payment standard as the standard for determining the insurance rate.

Moreover, unlike commercial insurance, the calculation of social insurance rate needs to consider more social and economic factors besides risk factors in order to obtain a fair and reasonable rate.