absolutely not

1. Enterprises have the obligation and responsibility to participate in the five insurances for employees, otherwise they will be punished

2. After participating in the insurance, part of the company's commitment will be included in the overall fund. If it is given to employees, it will be transferred to employees' private pockets. The enterprise did spend this fee, but it was not given to the overall fund. How can it be reasonable?

Best wishes

Extended reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.