The difference between the social security paid by the company and the social security paid by itself.

The difference between paying social security by yourself and paying social security by the company;

1. Different types of insurance: enterprise social security includes five insurances and one gold, and personal social security only includes endowment insurance and medical insurance.

2. The contribution ratio is different: the enterprise social security contribution ratio is higher.

3. There are differences in retirement benefits: enterprises can only receive basic pensions after accumulating social security contributions 15 years, and individuals can only receive social security if they meet the conditions.

4. Retirement benefits: enterprise social security receives a basic pension on a monthly basis, and individual social security can only be received if it meets the conditions.

Social security can be divided into several grades, whether it is paid by the unit or by the individual. The higher the payment level, the higher the treatment you will enjoy in the future, especially the old-age insurance. Due to the different payment grades, there will be great differences in pensions between individuals in the future. However, if individuals pay and choose a higher payment grade, the economic pressure they bear is undoubtedly very great.

The social security paid by the company refers to five insurances and one gold, as follows:

1, endowment insurance. Endowment insurance is a social insurance system that is enforced by the state according to law, specifically for workers, and forms a pension fund by collecting endowment insurance premiums from enterprises and individuals to solve the problem of living security for workers after retirement. Its basic treatment is the payment of endowment insurance, which is not only the main item in the social insurance system of various countries, but also the most important guarantee item in the social security system of various countries;

2. Unemployment insurance. Unemployment insurance is a social insurance system enforced by the state according to law, which aims at workers and solves the problem of living security for unemployed people who meet the prescribed conditions by raising unemployment insurance funds. Its basic treatment is to pay unemployment insurance and unemployment medical assistance. It is an indispensable stability and guarantee mechanism to meet the needs of the development of labor market and alleviate the serious social problems that unemployment may bring.

3. Medical insurance. Medical insurance refers to a social insurance system that is enforced by the state according to law, specifically for workers, and forms a medical insurance fund by collecting medical insurance premiums from enterprises and individuals to solve the medical security problems of workers and their families. Its basic treatment is to provide medical security and Medicaid;

4. Work injury insurance. Industrial injury insurance is a social insurance system implemented by the state according to law. Enterprises or employers raise industrial injury insurance funds to compensate employees for income losses and medical security benefits caused by industrial accidents. Its essence is a system that employers compensate employees for industrial accidents based on civil law. Its basic treatment includes income security, work-related injury pension, work-related injury medical security, etc.

5. Maternity insurance. Maternity insurance is a social insurance system enforced by the state according to law, which raises maternity insurance funds for employers and individuals and solves the income and living security problems of pregnant women during childbirth and breastfeeding. Its basic treatment is to provide maternity medical security, maternity leave and maternity leave wages;

6. Housing accumulation fund. Long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

To sum up: if the company's social security card is activated, the parties can directly take the social security card to the designated medical institutions, pharmacies, etc., and the card can be directly used for settlement. Or social security cards can also be used to apply for unemployment benefits and pensions, but certain conditions must be met.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 10

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.