Which file of Shenzhen social security is better?

In the first file, Shenzhen Medical Insurance only has a personal account in the first file, and there are no personal accounts in the second and third files. Personal account is equivalent to the money in medical insurance, which can be used to get medicine when you see a doctor. If your personal account exceeds 5% of the social wage, the excess can be used for pharmacy purchase, family-related payment, and special insurance in Shenzhen.

Social insurance is mainly through raising social insurance funds, coordinating and adjusting social insurance funds within a certain range, and giving necessary help to workers when they encounter labor risks. Social insurance provides basic living security for workers. Workers can enjoy social insurance benefits as long as they meet the conditions for enjoying social insurance, that is, they have established labor relations with employers or paid various social insurance premiums according to regulations. Social insurance is the core content of social security system.

The contribution rate of new insured units (referring to various enterprises) is 10%, and the individual contribution rate is 8%. Individual industrial and commercial households and their employees, flexible employees and other personnel who are insured in the form of individuals have different rates according to the payment period. Individual workers who participate in the basic old-age insurance, the payment base can be high or low within the prescribed scope, and more contributions will benefit more. To receive a monthly pension, employees must reach the statutory retirement age and have gone through retirement procedures; Units and individuals have participated in the old-age insurance according to law and fulfilled the obligation to pay the old-age insurance; Personal payment must be at least 15 years.

How to choose the medical insurance grade is more cost-effective

Deep households can only choose one file in the case of unit payment;

If an individual wants to live in Shenzhen for a long time, it is more appropriate to buy a medical insurance according to the current policy;

If I don't live in Shenzhen for a long time, it is more appropriate to buy second-class medical insurance.

Non-deep households can choose any grade of first gear, second gear and third gear, and try not to choose third gear;

Because the third gear is 20 yuan cheaper than the second gear, but the reimbursement ratio of the third gear is nearly 10 points less than the second gear.

Children's medical insurance and college students' medical insurance choose the second kind of medical insurance.

Legal basis;

People's Republic of China (PRC) social insurance law

Article 1 This Law is formulated in accordance with the Constitution for the purpose of adjusting the social insurance relationship, safeguarding citizens' legitimate rights and interests in participating in social insurance and enjoying social insurance benefits, enabling citizens to share the fruits of development and promoting social harmony and stability.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.