What is the use of comprehensive insurance in Shenzhen

Social security medical insurance is divided into 3 kinds: comprehensive medical, hospitalization medical, laborers medical

1. Comprehensive medical insurance: Shenzhen households and non-Shenzhen households can participate. The payment is more, Shenzhen households must participate in the comprehensive medical insurance. You can buy drugs from pharmacies, visit outpatient clinics, be hospitalized, and also enjoy outpatient reimbursement for major illnesses and maternity insurance. The foreign urban household can also buy comprehensive medical insurance, as long as the work unit is willing to.

2. Inpatient medical insurance: Foreign urban residents must participate in inpatient medical insurance, which is less expensive than comprehensive medical insurance. You can enjoy a small amount of outpatient reimbursement, maternity insurance treatment, foreign farmers, the unit is willing to participate in this inpatient medical insurance, mainly for non-Shenzhen account to pay. Hospitalization can be reimbursed for most of the expenses, not including maternity insurance. You can see the outpatient clinic, but you need to go to the bound community health center.

3. Migrant workers' medical insurance (commonly known as laborers' medical insurance, also known as cooperative medical insurance): this is for foreign farmers, hospitalization treatment is relatively low, there is a small amount of outpatient subsidies, enjoy hospitalization reimbursement, but the reimbursement rate and limit is not as high as the above two types of medical insurance, and in the choice of hospitals is not as much as the above. For outpatient care, you need to go to a bound social health center, not including maternity insurance. The foreign farmers, the unit at least to participate in the laborers health insurance, the unit is willing, you can choose to become hospitalization health insurance, foreign urban households at least to hospitalization health insurance, the unit is willing, you can participate in the comprehensive health insurance.

The above three health insurance hospitalization are reimbursable, hospitalization reimbursement comprehensive and hospitalization is the same, but the cooperation of the hospitalization reimbursement treatment than the first two on the lower, and the choice of hospitals are not as many as the first two, can only go to the designated social hospitals, can not go directly to the big hospitals.

Migrant workers' health insurance, the reimbursement rate is not as high as the urban health insurance. The two kinds of reimbursement ratios are different for urban workers' health insurance and urban residents' health insurance. In general, workers' health insurance is higher than residents' health insurance, and workers' health insurance can generally reach 80%, while residents' health insurance can reach 50% of the average level. As for the specific ratio and the age of the insured person and the hospital level, the older the age, the lower the hospital level, the higher the reimbursement ratio. (The term migrant workers refers to non-urban employees who are employed in the city and are not registered in the city.)

There is a difference in the fees paid each month:

1. Comprehensive medical insurance: Individuals pay 2%, with a minimum base of 2,173 yuan (based on 3,621 yuan * 60%), and 43.46 yuan is deducted from their wages each month. The unit to pay 5% (comprehensive insurance + local supplement + maternity insurance) that is 108.65 yuan. Individuals and units pay 152.11 yuan/month as soon as ****. Comprehensive medical insurance is the most comprehensive, including outpatient, hospitalization and maternity insurance. You can choose any designated medical institution for medical treatment. The monthly payment is much more than inpatient medical care and cooperative medical care.

2, hospitalization medical insurance: individuals pay 0.2%, the base is 2,173 yuan, 4.346 yuan per month from the salary deduction. The unit to pay 0.7%, or 15.211 yuan. Individuals and units pay 19.557 yuan per month. The treatment of major diseases and hospitalization is the same as the comprehensive, you need to go to the bound community health to see the outpatient clinic, the annual outpatient cost ceiling is 800.

Note: Comprehensive medical insurance contributions to the employee's monthly gross salary as a base, but not higher than the city's average monthly salary of the previous year's on-the-job workers, 300%, and not less than the city's average monthly salary of the previous year's on-the-job workers, 60% of the average salary of the previous year's on-the-job workers, more than or less than the, respectively, the base of 300% or 60% as the base. Since July 1, 2009, the city's social insurance contribution base and treatment calculation of the city's average monthly wage of the previous year's on-the-job workers at 3621 yuan, the minimum contribution base of Shenzhen household employees pension insurance for 2173 yuan (that is, 3621X60%)

3, cooperative medical care (commonly known as the medical insurance for laborers, now renamed medical insurance for migrant workers): individuals out of the 4 yuan, the unit 8 yuan, the outpatient clinic is also the same, the unit 8 yuan, and the medical care for migrant workers is the same. The unit 8 yuan, see the outpatient clinic is also required to go to the bound social health.

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