Can individuals pay five insurances and one gold?

Individuals can pay five insurances and one gold.

Individuals pay five insurances and one gold in the following ways:

1, the insured is a flexible employee.

Flexible employment has no stable work and workplace. If the monthly wage income is taken as the base, it is difficult to determine what the monthly wage income is. We can only choose between the lower limit and the upper limit based on the payment base published by the local social security department.

The contribution rate of endowment insurance is 20%, which is 4 percentage points lower than the unit contribution (the total contribution rate of employee basic endowment insurance is 24%), of which 12% is included in the overall account and 8% is included in the personal account. The proportion of medical insurance payment is 8%, of which 6% is included in the medical pooling fund and 2% is included in the personal account. Personal account is the money paid back to the social security card every month.

2. Insure as a resident.

Social security that is insured as a resident is called basic insurance for urban and rural residents. Similarly, only basic old-age insurance and medical insurance can be paid, and they must be insured at the place where they are registered. The payment of basic insurance for urban and rural residents is relatively low, and the protection is relatively low. Generally, the fee is paid annually, and each region has multiple stalls such as 300 yuan, 500 yuan or 1500 yuan to choose from. It is worth noting that different regions and different payment grades receive different pensions.

To sum up, among the two ways for individuals to participate in insurance, participating in insurance as a flexible employee has greater economic pressure on individuals. Because flexible employees usually have unstable jobs and may have no income at any time, if the conditions are not very good, they can choose to pay social security for urban and rural residents. Urban and rural residents pay social security, and after retirement, they can get much lower pension than urban workers' social security.

Legal basis: Article 4 of People's Republic of China (PRC) Social Insurance Law.

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.