Some people say that if your health is not good, you need to pay social security and medical insurance, what do you think about this problem? In fact, first of all, we have this precondition or not. That is to say, regardless of whether your physical condition is good or bad. All should pay a normal social security, of course, social security includes medical insurance. But if your physical condition is not good, is there any need to pay social security? I think it is also necessary to pay social security.
What can Social Security bring to us? First of all, social security includes endowment insurance, medical insurance also includes work injury insurance, unemployment insurance and maternity insurance. If you pay social security through your work unit, then all 5 types of insurance can be insured at the same time. If you do not have a work unit, for example, if an individual is insured by a freelancer, then you can only participate in the employee pension insurance and employee medical insurance. The purpose of participating in social security is to be able to get a monthly pension for us in the future, and at the same time, we can also get reimbursement from medical insurance.
Since it is mentioned in the title that his physical condition is not good, it means that the probability of seeing a doctor is relatively high. Under such a premise, that is to say, if you participate in a medical insurance, then in the process of seeing a doctor, you can greatly reduce and reduce the medical costs and burdens that we pay for. However, if you say that you do not participate in medical insurance, the medical expenses incurred need to be solved at your own expense, and there is no doubt that the economic pressure for individuals is relatively large.
So this is also why the health is not good, but also should choose to participate in social security and medical insurance for an important purpose. But Medicare is not a panacea, and Medicare reimbursement is not fully achieved, a free 100% state. However, if we do not have medical insurance, the medical expenses incurred need to be fully borne by ourselves. If you say that you have medical insurance, then the medical expenses incurred can be partially reimbursed through medical insurance, if you participate in the medical insurance reimbursement ratio of employees, it is usually as high as 70%, if you participate in urban and rural residents' medical insurance, the reimbursement ratio can reach about 50%.
Obviously, you can greatly reduce the cost and pressure of your own, medical treatment. However, according to the statistics of today's medical insurance insured population, the basic national insurance participation rate in the mainland has reached more than 95%. It can be said that almost everyone has a medical insurance, and it is necessary to achieve comprehensive coverage during the 14th Five-Year Plan period, that is, 100% of everyone will have a medical insurance. Overall, the coverage rate of medical insurance is still relatively good, and almost everyone has medical insurance. However, pension insurance is completely different, and the overall coverage rate of pension insurance is still significantly lower than that of medical insurance.
Therefore, it is necessary for us to participate in a pension insurance for ourselves, especially to try to participate in a staff pension insurance. In this way, you can get a pension treatment for employees in the future, and the pension treatment for employees is generally relatively high, which can ensure our future retirement life in the future. Therefore, it is very important to choose to participate in the pension insurance for employees, of course, if our economic conditions do not allow it, then it is also possible for us to choose to participate in the pension insurance of urban and rural residents, and it is also possible to obtain a treatment of a resident pension.
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