Is it appropriate for a 33 year old male to pay five insurances?

Individuals who pay social insurance must pay for 15 years before they can enjoy social security benefits. Social insurance is a social and economic system that provides income or compensation to people who are incapacitated, temporarily unemployed, or have lost their jobs due to health reasons. The social insurance program is organized by **, forcing a certain group to form social insurance ** as a part of its income as a social insurance tax (fee), and under the condition of meeting certain conditions, the insured can receive a fixed income or loss compensation from **, it is a redistribution system, its goal is to ensure the reproduction of material and labor force and social stability.

The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. Calculation of social insurance premiums: Social insurance must calculate a certain ratio borne by the insured according to the probability of occurrence of various risk accidents and the total amount of payment expenses estimated in advance according to the payment standard, as the standard for determining the insurance rate.

Moreover, unlike commercial insurance, the calculation of social insurance premiums, in addition to risk factors, also needs to consider more socio-economic factors to obtain a fair and reasonable rate. The collection method of social insurance premiums: 1. The proportional insurance premium system is based on the salary income of the insured, and a certain percentage is stipulated, so as to calculate the insurance premium.

Originally, the main purpose of social insurance was to compensate the insured for the income lost during the period of risk accidents, so as to maintain his minimum livelihood, so it was necessary to refer to the income on which he usually depended, on the one hand, as the standard for measuring benefits, and on the other hand, as the basis for calculating premiums. The biggest drawback of the work-based proportional insurance premium system is that the burden of social insurance is directly linked to wages, and whether both employers and employees pay social insurance premiums or one of them pays social insurance premiums, the burden of social insurance is manifested in an increase in labor costs, which will lead to the crowding out of labor by capital, which will lead to an increase in unemployment. 2. The equalization of insurance premiums means that the same amount of insurance premiums is charged regardless of the income of the insured or his employer.

The advantage of this system is that it is easy to calculate and easy to implement universally; In addition, countries that use this method to collect insurance premiums generally adopt an equalization system when making payments, which means that all revenues and expenditures are equal. The drawback, however, is that low-income earners pay the same premiums as high-income earners, which is clearly unfair in terms of affordability.

It is not appropriate to pay five insurances for a 33-year-old individual, because how long do you have to pay until you are 60 years old?

Is it appropriate for a 33-year-old individual to pay five insurances? It is also appropriate for a 33-year-old male to pay five insurances, but if there is a unit, it is best to pay five insurances for the unit.

If you pay five insurances for an individual, the burden is relatively heavy, and it is recommended to be attached to a unit to pass the fair.

It is a bit inappropriate for a 33-year-old male to pay five insurances, so let's enter a unit.

Legal analysis: Individual payment is three insurances, and there is no provident fund problem. Whether it is a man or a woman, as long as you want to be old and secure, whether it is cost-effective or not, it is so good that you need to buy it with hunger, not to mention whether it is cost-effective or not is closely related to your own lifespan, which no one can predict.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 77 The people's social insurance administrative departments at or above the county level shall strengthen the supervision and inspection of the compliance of employers and individuals with social insurance laws and regulations. This is an important legal basis for the administration of the human resources and social security department in accordance with the law, and it is also an important way to actively investigate the clues of social security violations.

According to the current regulations, under the premise of 15 years of insurance contributions, the statutory normal retirement age and the type, gender and identity of the insured are subject to rent, as follows:

50 years old for female workers, 55 years old for female cadres, and 60 years old for men; Dexterous land employment personnel filial piety travel pension insurance participants are 55 years old for women and 60 years old for men; Both men and women who participate in the old-age insurance for urban and rural residents are 60 years old.

It should be noted that the delayed retirement policy will be announced soon, and how to delay it at that time remains to be specified in the specific document.

Hello, I am happy to answer for you, as long as you work in the unit, the more comprehensive the types of insurance, the more advantageous. The five insurances mentioned by social security are endowment, work-related injury, medical care, maternity, and unemployment, and the 21-year medical and maternity are combined, and the five insurances have become limb insurance. Different types of insurance have different roles, so comprehensive insurance is the best policy, and the poor hunger and bright people pay mainly for the elderly, medical care, unemployed individuals can not pay much money within a few dozen yuan, and the work-related injury is borne by the virtual enterprise, so the payment of three insurances and five insurances is almost the same.

Hello! For 35-year-old men, who are currently facing more risks, they can buy accident insurance, health insurance, life insurance and other products to build comprehensive protection for themselves. The specific insurance plan is as follows:

1. Accident risks are everywhere, and once a 35-year-old man is out of danger, it will be a heavy blow to himself and his family, and it will cause a certain economic burden. To do this, you need to buy the right accident insurance to hedge against risks. If you frequently travel by various means of transport, you should choose a comprehensive accident insurance; If you are the breadwinner of your family, the sum insured should be set at about 10 times your annual income.

2. Disease has become a major killer of human beings, and 35-year-old men belong to the struggle stage, and are more likely to suffer from diseases due to stress, irregular work and rest, etc., so they should buy a health insurance. If the economic conditions are good, you can buy returnable health insurance; If you have average economic conditions, you can buy consumer-based health insurance, focusing on critical illness protection and hospitalization allowance.

When a 35-year-old man buys insurance, accident insurance, health insurance, and life insurance are all good choices. There are many types of insurance suitable for men aged 35, and you can come and apply for it, which is convenient and can get more than 15% off the premium.

Legal analysis: Individual payment is three insurances, and there is no provident fund problem. Whether you are a man or a woman, as long as you want to be old and secure, you have to buy it whether it is cost-effective or not, not to mention whether it is cost-effective or not is closely related to your own lifespan, which no one can predict.

Legal basis: Social Insurance Law of the People's Republic of China Article 77 The people's social insurance administrative departments at or above the county level shall strengthen the supervision and inspection of employers' and individuals' compliance with social insurance laws and regulations. This is an important legal basis for the human resources and social security department to administer according to law, and it is also an important way to actively investigate clues about social security violations.

Most of the 33-year-olds have become the main breadwinners of the family, not only to support the family, but also to bear the heavy pressure of car loans and mortgages, and the pressure of work is not trivial, and any risk may lead to the whole family in crisisSo for people of this age, buying insurance for themselves can transfer the financial pressure of risk:

Which insurance is right for you at 33 years old?

So what kind of insurance is suitable for people of this age? Generally, the configuration of these types is almost the same: critical illness insurance + medical insurance + accident insurance + term life insurance.

1.Critical illness insurance

In today's society, serious illness is no longer synonymous with the elderly, and the risk of serious illness for 33-year-olds is much higher than in the past. Many serious illnesses take a lot of time, and the later expenses and lost work expenses also need to be taken into account. It has to be said that critical illness insurance must be configured.

Recommended for you at the age of 33, the top 10 cheap and well-priced critical illness insurance points!

2.Medical insurance

In addition to preventing serious illnesses, people at this age also have minor illnesses and disasters that may occur at any time. Buy a million medical insurance, with a premium of a few hundred yuan a year, you can enjoy millions of protection, and solve the part that cannot be reimbursed by medical insurance. It's too difficult to pick the right product, but it doesn't matter, I've sorted it out for you, you can check it out:

3.Accident insurance

It refers to life insurance that takes the death or disability of the insured due to an accident or the occurrence of other accidents agreed in the insurance contract as the condition for the payment of insurance benefits.

Accident insurance is a type of insurance suitable for men, women and children, and it is also very cheap. In case of an accident at this age, who will feed a large family? This shows the importance of having an accident insurance policy.

4.Term life insurance

At this age, you not only have to honor your parents, but also raise your children, and you have to repay your car loan and housing loan. In the unfortunate event of death, it will be a heavy blow to both parents and wife and children, and life insurance can partially assume your responsibility for taking care of your family, leaving a minimum of financial compensation to protect your family's life.

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages。You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insuranceFor people aged 0-20, critical illness insurance, medical insurance and accident insurance are necessary

How do I buy insurance for someone under 20 years old? In the first 20 years of life, in the period of physical and mental growth and development, it is very necessary to pay attention to the medical situation of minor problems to avoid leaving sequelae. In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is recommended to configure an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

Growth stage (20-30 years old): critical illness insurance, accident insurance, medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, is the stage of family pillar inheritance, at this time the body is young, the spirit is good, most of them have not yet started a family, there is no pressure on the old and the young, and the parents are still young, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium required is not high, a month is only a few dozen, it can be considered, in line with this age group of friends can read the senior sister's previous answerWhat kind of insurance is suitable for people around 20 years old?You can take a look at this article.

For those under the age of 50, it is recommended to take out critical illness insurance, life insurance, accident insurance and medical insurance

How to buy a good insurance in your 30s? At this time, buying insurance is more for your family than yourself. The probability of middle-aged people's illness is increasing rapidly, but it is the most important economic ** of the family, and they often can't fall, so critical illness insurance and medical insurance can provide adequate protection for illness; If an accident happens, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

For how to avoid stepping on the pit and choose a suitable and reliable insurance, the key is to choose the right insurance product.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

You can buy a wealth management insurance. If you need questions about your finances, please keep asking.