How do urban residents buy social security by themselves and how do they operate? Does anyone know?

If you are rich enough, you don't have to worry about social security.

If you are just an ordinary person, you must seriously consider social security and commercial insurance from the perspective of avoiding risks.

Today, let's talk about how freelancers pay social security. How to consider the future security?

First, how to buy social security?

Methods 1: Participate in social security as an ordinary resident. If it is an urban household registration, you can go to the window of the social security bureau where the household registration is located to apply for residents' medical insurance.

Rural hukou is generally collected by the village, and then handled by the village in the town.

If you miss the collective payment time, you can go directly to the rural new rural cooperative medical service agency.

Method 2: Those who live in the household registration can apply for flexible employment to participate in social security (employee medical insurance and employee pension insurance). Compared with the social security of ordinary residents, this method pays more money and has better reimbursement conditions.

Method 3: You can rely on the talent market or other companies that pay social security to help you pay "five insurances and one gold". However, all expenses have to be paid by themselves, and there is some pressure. You can make a choice according to the actual situation.

For freelancers, the most valuable things are medical insurance and endowment insurance. Medical insurance, in particular, cannot be reimbursed for hospitalization next month once it is broken. ...

If you are going to quit your job and be a full-time mother, it will be a great loss to cut off maternity insurance. Why do you say that? Here is a careful analysis of "five insurances and one gold".

Second, medical insurance.

Medical insurance is the guaranteed dignity left by the state to each of us. I suggest that everyone buy medical insurance and don't break off diplomatic relations.

As I have emphasized many times before, let's first review the impact of medical insurance failure, taking Shenzhen as an example:

1. Once the diplomatic relations are broken, the hospitalization expenses for the next month cannot be reimbursed. I believe everyone knows how expensive it is to see a doctor.

2. The amount of reimbursement for hospitalization in that year will be reduced. The longer the continuous payment time, the higher the reimbursement amount, and vice versa.

3, affect the purchase of a house and a car, children go to school and points into the home.

It is more expensive to buy commercial medical insurance.

If it takes a long time to break up, it is recommended to make up the medical insurance of that year, which may result in a certain late payment fee, and it is not recommended to cut off the supply at will in the future.

Generally speaking, men must pay for 25 years and women must pay for 20 years in order to enjoy retirement medical insurance benefits for life. If you break off the relationship for a long time, you may retire and lose your job in the future, and you will continue to pay.

Some people will ask, I don't have a job, and residents' medical insurance benefits are average. It is very expensive to find an institution to pay social security. Can I buy commercial medical insurance?

First of all, it is emphasized that no commercial medical insurance can perfectly replace medical insurance.

If you feel that the burden of medical insurance for employees is heavy, you can consider the combination of residents' medical insurance (new rural cooperative medical insurance) and commercial medical insurance, which can solve the problem of low reimbursement rate of residents' medical insurance or new rural cooperative medical insurance.

To participate in social security as an ordinary resident, you only need to pay money once a year and spend hundreds of dollars to be a person with social security status.

Worried about the low reimbursement rate of ordinary medical insurance, with the most popular million-dollar medical insurance at present, it can make up for the shortage of medical insurance and the price is very friendly.

Take ping an e life insurance as an example. A 30-year-old person with social security only needs more than 300 yuan, and a person without social security needs to be near 800 yuan.

The value-added services of Million Medical Insurance are very practical, such as proton heavy ion therapy, drug purchase reimbursement, special medical expansion, medical treatment in Japan, and green channel medical services. As long as you buy millions of medical insurance and have corresponding services, it is not a problem.

I have also sorted out several popular medical insurance products on the market at present, as follows:

If you take a fancy to the price advantage: the guarantee of medical insurance is very cost-effective, and it can be renewed for 6 years, and you can also pay monthly, with little pressure and great overall advantages;

If you want to buy a big company: Ping An E Life Insurance, Taikang Micro Medical Insurance and PICC Medical Insurance are all big brands, and the guarantee content is also very good;

If you take a fancy to comprehensive security, give priority to E students, improve the security content, and add many special services, such as going to Japan for medical treatment.

You can compare carefully in the above table and choose the product that suits you. Generally speaking, they are very good products.

Third, maternity insurance.

Many women quit their jobs after pregnancy and concentrate on spare tires. As we all know, in many cities, maternity insurance can only be reimbursed after one year.

In addition, only the company can help pay maternity insurance, so it is still very troublesome to sever the relationship.

I sorted out the common expenses of pregnant women, and pregnant mothers will go to the hospital every three to five times, which is also a big expense, as shown below:

It can be seen that it is also a big expense before and after giving birth to a child, so you should be mentally prepared before resigning.

If you must resign, you can also submit an expense account through your husband's maternity insurance.

Taking Shenzhen as an example, the application conditions are as follows:

1, the husband's maternity insurance needs to be accumulated 1 year.

2. The wife needs to be unemployed.

3. The reimbursement time should be within 1 year after delivery, termination of pregnancy or family planning operation.

Taking Shenzhen as an example, the application materials are as follows:

1, Shenzhen maternity insurance medical expenses application form

2. Enjoy the treatment of appraisers

3. Employee's identity certificate or social security card.

4, the baby's birth or death certificate (delivery certificate)

5, the relevant medical institutions to prove the diagnosis

6, related medical expenses details, bills

7 proof of compliance with family planning regulations (prenatal examination and delivery)

8. Marriage certificate

9. If the unemployed spouse is not registered in this city, provide unemployment registration certificate.

The specific policies of each city may be different, and the reimbursement ratio may also be different. You can call the social security bureau hotline 12333 for detailed consultation.

If you feel that the protection is not enough, local friends can consider high-end medical insurance.

If you are a working family, you can also choose to buy a second trimester insurance for your wife. Even if you are pregnant, you can protect the risks that occur during pregnancy, such as death caused by pregnancy, serious deformity of children, pregnancy complications and so on.

I have done detailed evaluation before, and you can refer to the products in the following table:

Click on my avatar and reply by private message: I am pregnant, and I can see the specific comments of the product.

Four. endowment insurance

After resigning, many people asked: Will the old-age insurance I paid before be emptied?

In fact, as long as you pay 15 years in total, you can get it after retirement and pay the pension monthly. Don't worry.

The basic pension for employees consists of two parts: personal account pension and basic pension.

The longer the payment time, the more pensions you will receive in the future.

Break off diplomatic relations after resigning, and haven't paid 15 years when you retire. After retirement, the state will only return 8% of your personal account to you.

What the company pays for us will not be refunded. You can weigh whether to continue to pay according to the length of time you have paid the endowment insurance.

The pension calculation formula is as follows:

Personal account pension = the amount of personal account storage at retirement ÷ months.

Basic pension = (last year's average monthly salary of employees in this city+my average monthly payment salary) ÷ 2 × payment period × 1%

The biggest difference between employee pension insurance and urban residents' pension insurance lies in:

Paying employee pension insurance is not only 8% of our own contribution, but also the company will help us pay 13% (there are differences in each region, depending on local policies).

Take Shenzhen as an example. I calculate my key income through IRR with a basic salary of 5,000 yuan, as shown below:

To sum up, employees' pension income is still considerable. Through the contributions of enterprises and individuals, there are still many pensions that can be collected decades later.

Residents can pay once a year. Without the help of the company, they will lose a lot, and they will naturally get less if they pay less.

Medical insurance must be paid, and old-age insurance depends on personal choice. It is not enough to live a decent life when you are old. There is still a comprehensive financial planning, and everyone can choose according to their own economic situation.

Verb (abbreviation of verb) industrial injury insurance

Generally, it is rarely used, only when there is an accident on the way to and from work, and breaking off diplomatic relations after resignation has little effect.

Here, I suggest you buy an ordinary accident insurance. Accidents are everywhere, and a few hundred dollars can cover millions. It is very necessary to configure one.

Have done the evaluation before, you can refer to the following table:

The upgraded version of Burt's Bee is cost-effective and comprehensive, which is worth considering.

If you want higher insurance coverage, you can also consider Xiaomi accident insurance and Asia-Pacific million life insurance products, which have sudden death protection and can be selected as needed.

Click on my avatar and reply by private message: accident insurance, and you can also see accident insurance recommendations for children and the elderly.

Immutable verb unemployment insurance

Generally, this insurance can only be enjoyed after paying for one year, and it is not used much. If you resign voluntarily, you can't get unemployment insurance.

Seven, housing provident fund

Provident fund can apply for loans, which is the cheapest loan we can apply for in our life, and the interest rate is much lower than that of ordinary commercial banks.

For those who want to buy a house, it's too important!

If you break off diplomatic relations, you can't apply for provident fund loans to buy a house. The specific policies of each city may be different, and the time for continuous payment is also different. You can also consult the local provident fund hotline: 12329.

It hurts us to pay social security every month, but social security is a very important guarantee for us.