Endowment insurance, if you pay the lowest level, the current retirement standard is generally more than 1000, but it is hard to say when to retire, depending on the economic development level of China at that time and your local per capita income level. Basically, the minimum level of pension is the minimum level of local per capita wage. In addition, in addition to the gear you pay, it depends on the length of years you pay. The minimum is 15 years. The longer you pay, the more money you will get for retirement. If the company says that you pay the insurance in full, I suspect that you pay the pension in your own name, which is different from what the enterprise gives you. You can call the local social security bureau specifically. But your company is a bit wicked. If you really apply for social security in your own name, why not use him to pay it? You can go directly to the social security bureau yourself.
If you have a hukou problem, I suggest you call or go to the social security bureau window for consultation.
If you are hospitalized, if you pay medical insurance, the general reimbursement rate is between 70% and 90%. It depends on what is written on your local medical insurance agreement list. If there is a medical insurance card with money, you can withdraw the money from the medical insurance card first when you are in hospital, provided that there is such a company and the card has money. If it is a personal medical insurance card, the card has no money and can only be reimbursed in hospital. I see your salary is over 400 a month. I don't think it's municipal health insurance. I don't know what kind of insurance you pay. Is it from the insurance company?
It is unwise to stop social security and apply for commercial insurance. Don't listen to others. If you don't pay, it will automatically stop, but the social security account will not be cancelled. If you apply for municipal medical insurance, there will be no personal accident insurance when that person dies. Only the commercial insurance of the insurance company has that thing. If you die, the money from the personal pooling account in your social security pension account will be returned to you.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.