In Dongguan, social security has gold and silver cards. Excuse me, does social security also buy old-age care? Is there a difference between a pension card and a silver card?

Comprehensive medical insurance is what we commonly call a gold card, and hospitalization basic medical insurance is what we commonly call a silver card.

Basic medical insurance is implemented in two forms: comprehensive basic medical insurance and hospitalization basic medical insurance.

Those who participate in the comprehensive basic medical insurance (gold card insurance) can get economic compensation for the basic medical expenses of outpatient and hospitalization due to diseases. The basic medical insurance comprehensive fund combines social pooling with individual accounts.

Those who participate in the basic medical insurance for hospitalization (the town belongs to the insured unit) can get economic compensation for the basic medical expenses incurred in hospitalization due to illness. The basic medical insurance fund for hospitalization shall be co-ordinated by the society, and no individual account shall be set up.

The nature of insured units is different: municipal units use gold cards to participate in insurance; Urban units are insured with silver cards.

Different payment bases: gold card units and individuals pay according to the average monthly salary of the insured in the previous year (the same as the pension insurance payment base, and everyone may be different), and retirees pay according to the average salary of employees in the unit; silver card

The insured pays according to the average monthly salary of employees in this city last year (fixed as social security salary, everyone is the same), and the retirees also pay according to this.

The payment ratio is different: gold card: 2% of the insured's salary, 7.5% of the unit's salary (6.5% is comprehensive medical insurance, 1% is supplementary medical insurance); Silver card, the unit pays 2% of the average salary in Dongguan, and the individual does not pay.

The maximum reimbursement limit is different: the silver card reimburses 40,000 yuan per year; The maximum annual reimbursement for gold cards is 80,000 yuan, 85% for those above 80,000 yuan but below 654.38+10,000 yuan, and 70% for those above 654.38+10,000 yuan.

The difference between personal accounts: A gold card has a personal account, and the insured person can use the medical expenses in the personal account to buy medicine and see the clinic. If the amount is insufficient, it shall be paid in cash; The silver card has no personal account and can only be used for hospitalization.

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