问：华侨子女在国内读书可否购买社保或其他保险？

Q： Can children of overseas Chinese studying in China purchase social insurance or other types of insurance?

答：根据《中华人民共和国社会保险法》第四条第一款规定：中华人民共和国境内的用人单位和个人依法缴纳社会保险费，有权查询缴费记录、个人权益记录，要求社会保险经办机构提供社会保险咨询等相关服务。

社保是针对用人单位和职工的一种制度安排，由于华侨子女还在读书，不存在社会工作关系，所以不能购买社保。但只要存在可保利益，华侨可以为其在国内读书的子女购买其他商业保险。

A:  According to Article 4, Paragraph 1 of the Social Insurance Law of the People’s Republic of China, “Employers and individuals within the territory of the People’s Republic of China shall pay social insurance premiums in accordance with the law, and they have the right to check their contribution records, individual entitlement records, and request relevant services such as consultations from social insurance agencies.”

Social insurance is an institutional arrangement designed for employers and employees. Since children of overseas Chinese who are studying in China do not have an employment relationship, they are not eligible to participate in social insurance. However, as long as there is an insurable interest, overseas Chinese may purchase other forms of commercial insurance for their children studying in China.