Is it necessary for non-deep households to buy a social security?

The social security paid by the company for us includes endowment insurance, medical care, unemployment, work injury and maternity, but does not include provident fund. But for deep households and non-deep households, the social security paid is different. This is because people with Shenzhen hukou definitely enjoy more comprehensive benefits than those without hukou, and the social security they buy is in the first file. If it is not a deep household, the social security purchased is second grade and below.

endowment insurance

First, the payment ratio is different. Deep household payment 14%, non-deep household payment 13% (the individual payment ratio is the same). The higher the contribution ratio, the more leaders you can lead after retirement. Second, if the retirement age is not enough, the Shenzhen hukou can be paid in full in Shenzhen 15 years. If external account pays 10 years, only deferred payment can be handled. If it is less than 10 years, it can only be transferred back to the place where the account is located.

medical insurance

Types of basic medical insurance in Shenzhen: Ji Sun Yuan Sui Ben Medical Insurance 1, Basic Medical Insurance No.2 and Basic Medical Insurance No.3, with different payment, treatment and adaptation groups. The higher the number of files, the more payments, the wider the scope of use (hospitals), the more reimbursement categories, and the higher the reimbursement ratio. According to the current medical insurance policy, units must buy a social security for employees with deep households, and non-deep households can buy one, two and three files in principle, but the reality is that most companies buy the second file for white-collar workers and the third file for migrant workers, and the other three files cannot buy maternity insurance.