Endowment insurance and medical insurance for urban workers must be paid together. The basic endowment insurance for employees is a kind of social insurance. Social insurance means that the state raises funds through various channels through legislation to give economic compensation to workers in old age, unemployment, illness, injury and childbirth.
Details are as follows:
1. The social insurance system is established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through contributions from employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation;
2. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. In addition, the government's subsidy can enable the sick members of society to get the necessary material help, reduce the burden of medical expenses, and prevent the sick members from becoming poor due to illness.
legal ground
People's Republic of China (PRC) social insurance law
Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask 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. Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:
(a) shall be paid by the industrial injury insurance fund;
(2) It shall be borne by a third party;
(three) shall be borne by public health;
(4) Go abroad for medical treatment.
Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party. Article 57 An employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate.
Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration.
The market supervision and management department, the civil affairs department and the organization management organ shall promptly inform the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly inform the social insurance agency of the birth, death, household registration, migration and cancellation of the individual.