Can I skip paying the insurance premium? Why can t I pay the insurance?

The three gold paid by the company to you is a kind of welfare for you, and at the same time, it is also a kind of protection for him, because if you have a problem, there is an insurance company to take care of it! And the three gold is paid by the state, (the company pays most of the insurance, you only pay a small part, it is more cost-effective!) Once you start handing it over, the company will keep handing it over until you walk out of the company!

After that, you're in charge of everything! In fact, there are many people who want to enjoy it, but not yet! You're going to do a good job!

Social insurance is compulsory. The so-called compulsory means that the state enforces it through legislation, and both the individual worker and the employer must participate in accordance with the provisions of the law. The payment standards and treatment items of social insurance, and the payment standards of insurance premiums are uniformly stipulated by national or local laws and regulations.

As the insured, the individual worker has no right to arbitrarily choose or change whether to participate in social insurance, the items he or she participates in, and the standard of treatment.

It is recommended to pay it, although the social security is not perfect, but it is better than nothing.

I really don't understand why you don't want the unit to pay insurance for you, paying that is a kind of personal protection for you, and you deserve it. Many people appeal to the labor and social security department for their legitimate rights and interests because their employers violate the law and do not give employees social insurance, but they do not expect that some people will not want insurance. Then what do you want for your salary, let the company not pay it.

If other illegal companies encounter employees like you, they will die happily. How easy it is. I haven't encountered this kind of thing yet, so I don't want to give him benefits.

Yes, you don't have to pay it. It is recommended to pay it anyway, so as not to have an accident later

The company is so tough, it's better to pay for it. Unless you're ready to leave.

There are many types of insurance, some of which are voluntary, while others are prescribed by national policies. So it depends! Thank you!

Why the insurance can't be paid depends on the specific situation:

1. The age of the insured does not meet the requirements of the insurance company;

2. The physical condition of the insured at the time of insurance is unhealthy;

3. The risk level of the insured's occupation does not conform to the provisions of the insurance contract;

4. The insured does not meet other requirements of the insurance company.

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If the policyholder does not pay the premium, the insurance company will generally set a grace period and a suspension period. If the policy is still in force during the grace period, the policy will not be affected as long as the premium is paid within the grace period. If the premium is not paid after the grace period, the policy will lapse, but the policy can also be reinstated during the suspension period.

However, if there is no grace period and no suspension period, the policy may lapse if the premium is not paid. After the accident, the insurance company will also refuse to pay the claim.

The consequences of non-payment of insurance premiums are as follows:

1. If the policyholder fails to pay the insurance premium within 60 days beyond the prescribed period, the insurer may reduce the insurance amount or suspend the validity of the contract in accordance with the contract, and if the policyholder neither pays the insurance premium nor reaches an agreement with the insurer within two years from the date of suspension of the contract, the insurer has the right to terminate the contract;

2. Failure to pay premiums on time may lead to the suspension of the validity of the insurance contract. However, if the party is insured later, the insurance company will also refuse to pay the claim, and the compensation may not be obtained. Of course, if the insurance has a grace period and a suspension period, the policy will still be in effect even if the premium is not paid, and if the insurance occurs within these 60 days, the insurance company will pay the claim normally.

However, the parties only need to pay the premium during the grace period, and the policy will not be affected in any way. If the premium is not paid after the grace period, the policy will lapse, but the policy can be reinstated during the suspension period.

Legal basis: Article 36.

If the contract stipulates that the insurance premium shall be paid in installments, and after the policyholder has paid the initial insurance premium, unless otherwise agreed in the contract, if the policyholder fails to pay the current insurance premium for more than 30 days from the date of the insurer's reminder, or fails to pay the current insurance premium within 60 days after the agreed time limit, the validity of the contract shall be suspended, or the insurer shall reduce the insurance amount in accordance with the conditions agreed in the contract.

If an insured accident occurs within the time limit specified in the preceding paragraph, the insurer shall pay the insurance money in accordance with the contract, but may deduct the outstanding insurance premium.

Article 37.

If the validity of the contract is suspended in accordance with the provisions of Article 36 of this Law, the validity of the contract shall be restored after the insurer and the policyholder have negotiated and reached an agreement, and the policyholder has paid the insurance premium. However, if the two parties fail to reach an agreement within two years from the date of suspension of the contract, the insurer has the right to terminate the contract.

If the insurer terminates the contract in accordance with the provisions of the preceding paragraph, it shall refund the cash value of the insurance policy in accordance with the contract.

Article 38.

The insurer shall not require the policyholder to pay the insurance premium for life insurance by means of litigation.

Article 39.

The beneficiary of life insurance is designated by the insured or the policyholder.

The policyholder's designation of a beneficiary is subject to the consent of the insured. The insured shall purchase life insurance for the worker with whom the employee has an employment relationship, and shall not designate any person other than the insured or his close relatives as the beneficiary.

If the insured is a person with no or limited capacity for civil conduct, his guardian may designate a beneficiary.

Traditional insurance generally has a two-month grace period, which means that if you do not pay the premium on time this year, the insurance company will still bear the insurance liability specified in the contract during the two-month grace period.

If you still do not pay the premium after the grace period, the contract will enter a two-year suspension period, unless you apply for reinstatement and continue to pay the premium, otherwise the insurance company will not pay if you fail to pay the premium during these two years.

After the two-year suspension period, if you still do not intend to pay the premium, then the insurance contract will be completely invalid and the insurance company will refund the cash value of your policy.

Note: The cash value of the policy is not equal to the premiums you have previously paid.

However, if you buy universal insurance, if you do not pay it for five years, the contract will not expire, and there is no grace period, etc., because universal insurance is a flexible type of insurance, but if you do not pay the full amount, your personal benefits will be reduced accordingly.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

What kind of insurance do you say you don't pay? Whether it's social security or car insurance.

Questions. It's work.

Insurance and. If you sign a labor contract with the company, you must pay insurance.

Questions. Social security.

If the unit doesn't pay it to you, you can sue the unit.

Questions. It shouldn't be mandatory.

Can you choose not to pay it?

You can choose not to pay, but you have to sign a contract with the unit, because the unit is afraid of responsibility, and the state stipulates that you must pay social security and provident fund.

Questions. What will social security do for me in the future.

For example, after you have paid for 15 years, you can get a pension.

Pension insurance should be paid continuously as much as possible, the direct consequence of not paying is that if you want to receive a pension, you will need to pay more (in most areas, you will need to pay a late fee of two thousandths of a year on a monthly basis), and if you do not pay back, the amount of pension received by the individual will be affected. According to the provisions of the relevant documents, where the enterprise or the insured interrupts the payment of basic pension insurance premiums (except for the unemployed persons who receive unemployment insurance money or do not pay according to the relevant regulations), the insured meets the pension conditions stipulated by the state, and when calculating the basic pension, the calculation base of the basic pension shall be calculated according to the average wage of the city's employees in the previous year of the corresponding year according to the cumulative intermittent payment time (the cumulative intermittent payment time shall be calculated according to every 12 months as an intermittent payment year, Less than 12 months will not be counted).

Here's an example:

If you retire in 2020, your basic pension is normally 20 in 2019, but if your pension insurance is interrupted for 30 months before retirement, it is interrupted for 2 years, and your basic pension is 20 in 2017

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"