The secret of high and low-grade medical insurance

High grade can receive full retirement salary, and low grade can receive it in proportion. See the social security bureau rules for details.

The difference between low-grade and high-grade social security contributions of flexible employees lies in the difference between receiving more and less pensions after retirement. If you pay more, you will get more in the future, and vice versa. There is a big difference between the highest and the lowest. The highest is five times the lowest, but this kind of thing can be done according to one's ability. As long as you earn one or two thousand a month, you can pay the lowest price, because the highest grade has to pay two or three thousand a month.

High-grade payment is 100% of the social security payment base, low-grade payment is 60%, and the gap is 40%. If it continues to deteriorate, the payment period will be the same, and the retirement pension will differ by at least 40%.

Pay more endowment insurance and get more when you retire. The amount of endowment insurance paid is in direct proportion to the amount received at retirement.

Extended data:

Calculation standard of social insurance premium

Social insurance must work out a certain proportion of the insured's burden according to the probability of various risk accidents and the total payment expenditure estimated in advance according to the payment standard as the standard for determining the insurance rate. Moreover, unlike commercial insurance, the calculation of social insurance rate needs to consider more social and economic factors besides risk factors in order to obtain a fair and reasonable rate.

Collection method of social insurance premium

1. proportional insurance system

This method is based on the wage income of the insured, and a certain proportion is stipulated to collect insurance premiums. Adopting the proportional system, the initial main purpose of social insurance is to compensate the income lost by the insured in risk accidents in order to maintain their minimum living. Therefore, we should refer to his usual income, on the one hand, as a standard to measure payment, on the other hand, as the basis for premium calculation.

The biggest drawback of the work-based proportional insurance system is that the burden of social insurance is directly related to wages. Whether employers and employees bear social insurance premiums or one of them bears social insurance premiums, the burden of social insurance is manifested in the increase of labor costs, which will lead to capital crowding out labor, which will lead to an increase in unemployment.

2. Equal insurance premium system

That is, regardless of the income of the insured or his employer, the insurance premium of the same amount should be charged. The advantages of this system are simple calculation and easy to be universally realized. Moreover, in countries that collect insurance premiums in this way, the payment system is generally divided equally, which has the significance of equal income and expenditure. But its defect is that low-income people and high-income people pay the same premium, which is obviously unfair in terms of affordability.