The difference between comprehensive insurance and social security in Shanghai

The difference between comprehensive insurance and social security in Shanghai: comprehensive insurance companies pay fees, and you enjoy the so-called comprehensive insurance for migrant workers, which is a new insurance system specially designed for migrant workers. Compared with Shanghai urban social insurance, comprehensive insurance has its distinctive characteristics. First of all, they are applicable to different objects. According to the regulations, domestic personnel with Shanghai residence permit who are introduced to Shanghai as talents can participate in the basic old-age insurance in this city. Foreigners who meet the employment conditions in this city and work or do business in this city but have no permanent residence in this city shall participate in comprehensive insurance. Secondly, the subject of payment is different. Shanghai urban social insurance is jointly paid by employers and workers in accordance with the prescribed payment base and payment ratio. The comprehensive insurance is paid in full by the employer, and the non-local personnel of the unit do not have to pay. For outsiders, it means "you enjoy the unit payment". Bringing more benefits to outsiders is the biggest feature of comprehensive insurance. Third, the insurance contents of the two are different. Shanghai's urban social insurance includes endowment insurance, medical insurance, unemployment insurance and maternity insurance, while industrial injury insurance is not co-ordinated, which is the responsibility of enterprises. Comprehensive insurance includes work-related injury insurance, hospitalization and old-age allowance (foreign workers of foreign construction enterprises can enjoy work-related injury and hospitalization treatment during their participation in comprehensive insurance). Foreign employees who suffer from work-related accidents or occupational diseases during the comprehensive insurance period can get a one-time payment of work-related injury insurance money; If you are hospitalized due to illness or non-work-related injury, 80% of the hospitalization expenses above Qifubiaozhun shall be borne by the comprehensive insurance fund, and 20% shall be paid by yourself; Foreign employees who have paid for one year in a row can get the old-age allowance certificate in the year of retirement and cash the old-age allowance in one lump sum. The calculation method of compensation amount is more conducive for migrant workers to enter the Shanghai labor market and has made great contributions to the development of Shanghai. However, the occupations they are engaged in are high-risk, so they get little compensation after industrial accidents. Although Shanghai has promulgated the Regulations of Shanghai Municipality on the Treatment of Migrant Workers' Work-related Injuries, the compensation for workers who have suffered work-related injuries is far from enough. The comprehensive insurance method solves this problem well. The "Measures" also stipulate that migrant workers and migrant workers without units shall enjoy work-related injury (or accidental injury) insurance benefits with reference to the work-related injury treatment standards stipulated by Shanghai after labor ability appraisal. Work-related injury (or accidental injury) insurance is paid in one lump sum. But the difference is that industrial injury compensation is paid by commercial insurance companies. The amount of compensation paid by insurance companies is divided into four categories according to the disability level and age of work-related injuries, including disability subsidies, disability allowances, living care expenses and medical expenses for recurrence of old injuries. And the amount of compensation is clarified. For example, if you are disabled under the age of 20, you can get up to 446,000 yuan. This calculation method of compensation amount is more beneficial to migrant workers, because according to the Regulations on Work Injury Insurance in the State Council, the first-class disability allowance is 24 months' salary, and commercial insurance provides a higher standard of protection for migrant workers with generally low income. It is understood that in addition to Shanghai, other cities in China have also introduced social security systems for migrant workers. Their basic approach is to unify the social security system for migrant workers and the social security system for urban workers. But the difference between Shanghai and them is that the social security system for migrant workers in Shanghai is undertaken by commercial insurance companies, which is very different from the social security system for urban workers. The guiding ideology of Shanghai municipal government in establishing this insurance is mainly to protect the legitimate rights and interests of foreign employees, rather than solving other problems.

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