The difference between the first, second and third grades of social security in Hangzhou

After entering a new unit, you need to pay social security fees on time every month. Careful friends will find that different employees will pay different social security fees, some more and some less. Of course, this difference in fees is caused by different levels of social security contributions. What is the difference between the first file, the second file and the third file of social security payment? Which is better, social security first gear, second gear or third gear?

1. What's the difference between social security first gear, second gear and third gear?

The first, second and third grades of social security have different concepts, and different grades enjoy different treatment:

First, the principle of seeking medical treatment is different: one type of insured person can only be designated to seek medical treatment at a certain point in the city; The second file is insured, and the insured person can seek medical treatment at a certain point in the city, outpatient service at a certain point in the city, and outpatient service at a designated medical institution for serious illness; For the third-level insured, the insured can seek medical treatment at the designated place in the city, and outpatient and seriously ill patients can seek medical treatment at designated medical institutions.

Second, the general outpatient treatment is different: the personal account of the insured person can be used to pay the medical expenses in the general outpatient medical insurance catalogue; The second-class and third-class insured persons belonging to Class A and Class B medical insurance projects can be used to pay the funds in the overall account according to the proportion of 80% and 60% respectively.

Second, which is better for social security, first, second and third gear?

Social security payment can choose a file to participate in the insurance.

First, the social security down payment is the highest, which is basically three times the average salary of the previous year. The proportion of fees to be paid in individual contributions will be relatively high, and the second gear is the last gear.

Second, the balance of the medical insurance account. Generally speaking, our medical insurance will enter two accounts after paying the premium, one is an individual account and the other is a co-ordination account. The medical insurance in the first-level social security will have a personal account. In addition to pooling accounts, hospitalization can usually go to designated pharmacies to buy medicines, and personal accounts can also be settled, while secondary and tertiary medical insurance has no personal accounts and cannot go to designated pharmacies or clinics to buy medicines by credit card.

3. How much is the first, second and third grade of social security?

The payment standards of the first, second and third social security files vary according to different regions. Take Shenzhen as an example:

1, Shenzhen social security premium payment: the first payment base is the average monthly salary of employees in the previous year, and the payment ratio is RMB per month, in which the unit needs to pay RMB and the individual needs to pay RMB;

2. The second payment of Shenzhen social security: the second payment base is the average monthly salary of employees in the previous year, and the payment ratio is RMB per month, in which the unit needs to pay RMB and the individual needs to pay RMB;

3. Shenzhen social security third-grade payment: the third-grade payment base is the average monthly salary of employees in the previous year, and the payment ratio is RMB per month, in which units need to pay RMB and individuals need to pay RMB.