What is the difference between Shenzhen social security third gear and second gear?

The differences between the third and second files of Shenzhen social security are as follows:

1. The payment base and proportion are different. The payment base of the second file is the average monthly salary of employees in Shenzhen last year, and the payment ratio is 0.8%, and enterprises and individuals bear 0.6% and 0.2% respectively. The base of the third payment is unchanged, but the proportion of payment is reduced to 0.55%, and enterprises and individuals bear 0.45% and 0. 1% respectively.

2. There are differences in the setting of personal accounts. There is a personal account in the first gear, but not in the second and third gears.

3. There are differences in outpatient treatment. One type of insured person can use personal account to pay part of outpatient expenses, while the second and third types of insured persons have limited annual outpatient reimbursement, and the reimbursement ratio varies according to different drug categories.

4. Hospitalization is different. The reimbursement rate of hospitalization expenses of the first-class insured is higher, while the reimbursement rate of the second-class insured in different hospitals is different.

Social security payment grade:

1, the first file, that is, the lowest grade, refers to the payment of social security fees according to the minimum payment base stipulated by the local social security bureau;

2. The second file refers to choosing a certain amount higher than the minimum payment base but lower than the average salary as the payment base according to the actual income of the individual;

3, the third file, usually refers to the actual income of individuals, choose a certain amount higher than the average salary as the payment base, but not more than the highest payment base stipulated by the Social Security Bureau.

To sum up, the main difference between the second and third files of Shenzhen social security lies in the same payment base but different payment ratios. The second gear is 0.8% (0.6% for enterprises and 0.2% for individuals) and the third gear is 0.55% (0.45% for enterprises and 0. 1% for individuals). There is no second or third gear in personal account setting; In terms of outpatient and inpatient treatment, the total amount of outpatient reimbursement for the second-class insured is limited each year, and the proportion of hospitalization reimbursement is different according to the hospital level.

Legal basis:

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

Article 31

According to the needs of management services, social insurance agencies can sign service agreements with medical institutions and pharmaceutical business units to standardize medical service behavior. Medical institutions shall provide reasonable and necessary medical services for the insured.