What's the use of social security five insurance?

Legal analysis: 1. Social security card is the first proof of your insurance. You can use the social security card to check your social security payment. Social security card is often a kind of identification, a bit like an ID card.

2. The social security card itself already contains the functions of the medical insurance card. With the social security card, you can go to the designated medical insurance pharmacy to buy medicine and go to the hospital to see a doctor. The following paragraph is the detailed policy of medical insurance reimbursement, which you should know.

1. The medical insurance is divided into two accounts, the personal account, and the money reflected by the medical insurance card can be used to buy medicines at designated pharmacies, and the individual pays for outpatient expenses and hospitalization expenses; The overall account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the overall account.

2. When seeing a doctor, show the medical insurance card to the designated hospital to prove the identity and registration of the insured. The part of medical insurance reimbursement is settled by medical insurance and hospitals, and individuals do not need to pay in advance before reimbursement. At the time of checkout, the part paid by the individual is paid by the balance of the medical insurance card and cash.

3. There is a deductible when reimbursement for hospitalization (the deductible standard is generally 10% of the average annual salary of employees in the city last year), which means that you need to pay the deductible yourself, and the part that exceeds the deductible can be reimbursed according to local medical insurance regulations. The reimbursement rate varies from place to place, and different hospitals and different projects are also different. I can't give it to you specifically, about 80%. You can go to the local area to learn more about it.

Let's talk about the role of social security five insurance and provident fund:

Endowment insurance: retirement salary

Medical insurance: medical reimbursement, serious illness co-ordination

Maternity insurance: women can enjoy reimbursement and subsidies during childbirth, and men can enjoy reimbursement and subsidies for fertility ligation and reproductive health.

Unemployment insurance: you can receive unemployment benefits for a certain period of time when you are unemployed.

Industrial injury insurance: compensation in case of industrial injury.

Provident fund: you can borrow money to buy a house, and the interest rate is low, and the repayment can be withdrawn. If you don't borrow money, you can withdraw it at one time when you retire.

Finally, make a correction: The latest Interim Measures for the Transfer and Continuation of Basic Old-age Insurance for Employees in Urban Enterprises stipulates that social security shall not be surrendered from 20101(the insured person dies, goes abroad to settle down, and the old-age insurance is insufficient 15).

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of 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.

Article 58 An 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.