What is the difference between Social Security, Medicare, NHI, and town insurance?

What is the difference between social security, medicare, nhl, and town insurance?

Understand clearly what they are, you will know the difference!

I. What is Medicare, NHI, and township insurance?

Social security, the full name of social insurance. In our country, social security is divided into two kinds:

1. Employee social security: social security to the working people to pay. This is what we often refer to as "five insurance". This is because the employee social security includes medical insurance (that is, we often say health insurance), pension insurance, unemployment insurance, maternity insurance, workers' compensation insurance.

Specifically, the role of these five types of insurance is as follows:

2. Resident social security: for residents who do not have a work unit to pay, such as a full-time wife, home farmers and other farmers. There are only two types of social security, medical insurance and pension insurance. We generally call it urban and rural residents' basic medical insurance and urban and rural residents' pension insurance, according to the different household registration of the insured person is divided into urban residents' social security and rural residents' social security:

The residents of urban household registration to participate in the urban residents' social pension insurance and urban residents' medical insurance. The social pension insurance for urban residents is often referred to as "urban residence insurance".

Rural residents participate in the new rural social pension insurance and the new rural cooperative medical insurance, which is often referred to as the new rural insurance and the new rural cooperative medical insurance.

Second, how much do I have to pay for social security? How to handle?

1, employee social security

Go to work, the company will have to pay for our employee social security, do not have to worry about us for.

Every month, individuals and companies have to pay a certain fee for social security, of which:

Medical insurance, pension insurance, unemployment insurance by the company and individuals in accordance with different percentages.

Maternity insurance and industrial injury insurance are paid entirely by the company, and the individual does not have to bear them, as stipulated in our legislation.

Social security has five insurance, each type of insurance payment ratio is different, it seems very complicated, in fact, as long as you understand each type of insurance contribution base and payment ratio is complete!

Taking Guangzhou as an example, the contribution ratio for 2020 is as follows:

If your monthly salary is 10,000 yuan:

The unit will pay 22.85% per month for you, and the amount will be 2,285 yuan;

The personal contribution ratio will be 10.5%, and the amount will be 1,050 yuan.

This is the first time that a person has to pay a monthly salary of 10,000 yuan,

This is the first time that the unit will pay 22.85% for you.

This time there may be people jumping out to express their opposition: my pre-tax salary is also 10,000 yuan, not at all as high as you say?

This is because, in practice, the contribution base of many organizations does not always follow our actual salary to pay social security. Some units may pay according to the city's municipal average wage, which is the average monthly wage of all employees in the city in the previous year. Each city's average salary is different, so I won't give you an example here.