What is the difference between Shanghai city insurance and town insurance, social security and comprehensive insurance?

1, urban insurance is the abbreviation of social insurance for urban workers, including pension, medical care, unemployment, work injury and maternity insurance;

2. Comprehensive insurance is the abbreviation of comprehensive insurance for foreign employees. Regardless of individual insurance, enjoy the following benefits: industrial injury insurance, hospitalization insurance, daily medical expenses subsidies, and old-age subsidies;

Social security is the abbreviation of social insurance. In the past, Shanghai's social security system included comprehensive insurance, urban insurance, urban insurance, rural insurance and residents' insurance, but since July this year, according to Shanghai's regulations (not the new contract law), employers in this city have to pay urban insurance for their employees. Therefore, the unit pays urban insurance to foreign employees, but the urban household registration pays five insurances, and the rural household registration only pays three insurances: pension, medical care and work injury.

4. The main differences between social insurance and commercial insurance:

Achieve different goals. Social security is the basic guarantee for social members when necessary, not for profit; Commercial insurance is the commercial operation of insurance companies, aiming at profit;

The implementation methods are different. Social insurance is compulsory according to national legislation, while commercial insurance follows the principle of "freedom of contract" and is voluntarily insured by enterprises and individuals;

The subject and object of implementation are different. Social insurance is raised, managed and distributed by special institutions set up by the state, targeting social members within the legal scope; Commercial insurance is managed by insurance companies, and the applicant can be anyone who meets the underwriting conditions;

Different levels of protection. Social insurance provides the most basic protection for the insured, which is higher than the social poverty line and lower than 50% of the average social wage, with a low degree of protection; The level of protection provided by commercial insurance depends entirely on the agreement of both parties and the amount of premium paid by the insured. As long as the insured meets the insurance conditions and has a certain ability to pay, he can get a high level of protection.

Extended data:

Personal social security preventive measures:

It is very necessary for individuals to participate in social security and get the most basic social security. So what are the precautions for individuals to participate in social security? The following is a detailed introduction to this part of the problem.

1, you can only participate in pension, maternity and medical insurance, but you can't participate in work injury and unemployment insurance.

2, the insured for the first time to pay 6 months after the occurrence of serious illness medical expenses, can enjoy the treatment of serious illness medical insurance. The insured who participates in medical insurance for serious illness must pay the fee continuously without interruption. If it is not paid within three months, it shall be regarded as intermittent payment. If the payment has been continuous for 5 years before the interruption and the medical expenses for serious illness have not been reimbursed, the time before and after the re-payment will be calculated continuously; If the payment is less than 5 years or over 5 years, but the medical insurance for serious illness is enjoyed, when the payment is made again, the medical expenses for serious illness occurring after 6 months shall enjoy the medical insurance for serious illness according to the provisions of these measures. Moreover, if the one-time hospitalization expenses only exceed 1300 yuan, the outpatient and emergency expenses will not be reimbursed.

3. If you don't use the 18 ID card when handling the "medical insurance debit card" of the bank, please change it at the bank in time and register with the employment agency or talents, otherwise the social security center will not be able to transfer money normally.

4. Ensure that the deposit in the "medical insurance debit card" of the bank is sufficient for deduction, and there is at least a balance of 10 yuan after deduction.

5. Please receive the "Medical Insurance Manual of this Municipality" within 2 months after completing the insurance procedures. If you haven't received the medical manual for more than 6 months, you need to reapply (it takes 1-2 weeks).

6. Every April, the insurance base will change, and the cost will also change. It is suggested that the balance in the bank's "medical insurance debit card" should not be lower than that in 400 yuan before April every year, and you can go to the bank to print the statement at the end of April to understand the payment standard for the new year.

7. Personal archivists are in arrears in the first and second months of three consecutive months. According to the policy, the basic medical care in the second and third months was temporarily suspended. For example, before 10 of the last month of the third month of continuous payment, the suspended medical insurance benefits will be resumed after all the expenses are paid.

8. For personal reasons, if you fail to deposit enough cash in the bank's "medical insurance debit card" before 10 for three consecutive months, and you are in arrears for three consecutive months, the medical insurance benefits will be automatically interrupted, and the signed Agreement on Individual Entrusting Archivists to Pay Basic Medical Insurance Fees and Large Medical Mutual Fund will automatically become invalid.

9. After three months of continuous arrears and medical insurance interruption, if the archiving individual wants to continue to participate in the insurance, he/she needs to hold the medical insurance manual and the debit card statement issued by the bank, and go to the center to re-sign the Agreement on Personal Entrusting Archivists to Pay Basic Medical Insurance Fees and Large Medical Mutual Fund.

10, the basic medical insurance handled by the personal archivist is only responsible for the medical expenses incurred by the insured within the validity period of the medical insurance. The minimum payment for the first hospitalization in the same natural year is 1.300 yuan, and the minimum payment for the second hospitalization (including the second hospitalization) in the year is 650 yuan. The top line of the basic medical insurance co-ordination fund is 70,000 yuan in a natural year, and the maximum payment limit of the large medical mutual fund is 654.38+10,000 yuan in a natural year. The minimum reimbursement rate of the basic medical insurance pooling fund for the above part is 85%. Within one year, the accumulated medical expenses exceed the cap of the basic medical insurance fund (70,000 yuan), and 70% of the large medical expenses are paid by the mutual fund, and the personal burden is 30%. Outpatient service is not covered by reimbursement.

1 1. To enjoy medical insurance benefits after retirement, the cumulative years of actual payment and deemed payment before retirement must reach 25 years and 20 years respectively.

Baidu encyclopedia-social insurance

Baidu Encyclopedia-Personal Social Security