What is the difference between medical insurance paid by individuals and medical insurance paid by units?

The differences between medical insurance paid by individuals and medical insurance paid by units are as follows:

1, the individual contribution ratio is lower than the unit contribution ratio;

2. There are different types of payment insurance. Individuals only pay endowment insurance and medical insurance, and units pay five insurances and one gold.

3. Medical insurance benefits are different. Personal medical insurance is paid annually. There is no such thing as retirement, and some people still need to pay continuously.

Conditions for personal insurance transfer:

1. The individual insured who has been transferred to the unit for employment and involved in repeated payment has been employed by the unit and gone through the employment filing formalities in the labor department, and the social insurance paid by the individual is duplicate with that paid by the employer;

2. Transferred to the unit for employment does not involve repeated payment. Individual insurance has been employed by the unit and signed a labor contract, and the unit has paid social insurance since the deadline for individual payment;

3 individual insured to three counties and other places, need to transfer to different places.

To sum up, after resigning, our pension insurance will continue to be paid in the name of individuals. Because if you don't pay a certain number of years, you won't get a pension after retirement. Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

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 jointly 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.