The difference between Shenzhen's first-level social security and second-level social security

The differences between primary social security and secondary social security are as follows:

1, remote payment

The first payment base is the total monthly salary of employees, and the payment ratio is 8.2%, of which the company pays 6.2% and the individual pays 2%. The second payment base is the average monthly salary of employees in Shenzhen last year, and the payment ratio is 0.8%, of which the company pays 0.6% and the individual pays 0.2%. The base of the third-grade payment is the average monthly salary of employees in Shenzhen last year, and the payment ratio is 0.55%, of which the company pays 0.45% and the individual pays 0. 1%.

2. Personal accounts are different

In Shenzhen, only one file has a personal account, and the second and third files do not. After the balance of the social security account reaches the payment conditions, the first-level insured can go to the designated medical insurance pharmacy to buy medicine, or they can use their personal accounts to give themselves, their spouses and immediate family members health checkups and vaccinations. However, the second-class insured can't take the medical insurance card to the designated medical insurance pharmacy to buy medicine, and social security can't be used by family members.

3, outpatient treatment is different.

Outpatient reimbursement is also divided into general outpatient service, serious illness outpatient service, outpatient blood transfusion, outpatient special examination and so on. The first file can be paid or reimbursed by the medical insurance through the money in the personal account, and the second and third files can only be reimbursed for the general outpatient service of the community health service, and the maximum reimbursement can only be 1000 yuan per year. Different drugs also have different reimbursement rates.

2. Which is better, Shenzhen social security first file or second file?

Which is better, Shenzhen social security first file or second file, depends on the actual situation of the insured.

There is no difference between the first and second grade pension insurance payment bases of Shenzhen Social Security. The first file of Shenzhen Social Security has the best medical insurance reimbursement treatment, which is better than the second file. Judging from the treatment that the insured can enjoy, the first grade of Shenzhen social security is much better than the second grade. If conditions permit, the insured shall try to participate in the first social security file in Shenzhen.

The cost of the first social security file in Shenzhen is much higher than that of the second file, and the insured should choose the appropriate level of insurance according to the actual economic conditions.

Legal basis:

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

Article 57

The employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate.

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.