How much is the medical insurance for Beijing farmers?

Medical, pension, maternity, industrial injury, unemployment insurance, housing fund

Specific social security composition ratio:

Pension insurance: unit each month for you to pay 21%, you pay 8%;

Medical insurance: unit each month for you to pay 9%, you pay 2% plus 10 yuan of the general medical co-ordination (general medical co-ordination is the main management of hospitalization);

Unemployment insurance: unit each month for you to pay 2%, you pay 1%;

What is the amount of money paid for medical insurance?

Unemployment insurance: the unit pays 2% for you every month, you pay 1%;

Worker's compensation insurance: the unit pays 0.5% for you every month, you don't have to pay a penny;

Maternity insurance: the unit pays 0.8% for you every month, you don't have to pay a penny;

Housing fund: the unit pays 8% for you every month, you don't have to pay a penny;

Housing fund: the unit pays 8% for you every month, you pay 8% for you every month;

Housing fund: the unit pays 8% for you every month, you pay 8% for the unit every month;

We are not sure if you can afford to buy a new one. For you to pay 8%, you pay 8%

Above, so calculated, the unit each month for you to pay the proportion of social security should be 21% + 9% + 2% + 0.5% + 0.8% + 8% = 41.3%

Your own each month for you to pay the proportion of social security should be 8% + 2% + 10 bucks +1% + 8% = 19% + 10 bucks

Temporarily remove the 10 dollars you pay not to mention, the unit to pay the ratio and you pay the ratio should be 413:190, that is to say, if

You pay 190 dollars for your own social security every month, then the unit will be to your social security account to play in the 413 dollars, every month your social security account on the increase in the amount of money should be 413 + 190 = 603 dollars, so that in your Can not see the case, the unit to pay the social security costs are actually 2 times more than you, so you pay the social security fee every month do not heartache ah ~ you have to know that the unit than you pay a lot more than it, the heartache is actually the unit.

Talking back to the three insurance and five insurance and gold, here we should have seen, in fact, the jianghu said three insurance and gold is completely equal to the five insurance and gold, just three insurance and gold is from your personal insurance (old age + medical + unemployment + provident fund) to say, five insurance and gold is from your unit to pay the insurance (old age + medical + unemployment + injury + birth + provident fund) to say. The three insurance and one gold said five insurance and one gold in fact just say it sounds good.

In addition to the unit can pay for your social security, in fact, no work but have income or have a unit but the unit does not pay social security personnel can also pay for their own social security, but the individual can only pay the pension insurance + medical insurance, work injury ah birth ah unemployment ah provident fund, ah, you personally can not pay up.

Here is what is the social insurance payment base

Just now you already know the proportion of social security paid by the unit each month and the ratio of your payment is almost 413:190, so now there is another problem: the social security premiums paid each month and what is the relationship between this ratio, social security premiums in the end is how to determine it?

You may not have noticed, each province and city will be released in early July each year, a "social insurance minimum payment base", the base is based on the previous year's average salary + benefits + a variety of subsidies and other miscellaneous costs after statistics and calculations after the determination of the Nanjing July this year, the minimum base is announced! 1189 yuan, this is what it means, it means that Nanjing as long as the formal social security units for employees to pay, every month for each employee to pay at least 1189 × 41.3% = 491 yuan, and employees to pay at least 1189 × 19% + 10 = 236 yuan per month, so you and the unit should be paid every month social security premiums came out.

But now there is a new problem, Nanjing workers wages vary greatly ah, some people get 1000 a month, some people can get 10,000 a month, do you want to get 1000 and get 10,000 to pay the same social security premiums? Please note that this 1189 is the minimum base, in 1189 above there is the highest base, Nanjing this year's highest base seems to be more than 8000, I have forgotten, anyway, if your salary per month in the 1189 yuan below, the unit must be in accordance with the 1189 yuan for you to pay 1189 × 41.3% = 491 yuan, and your own every month at least pay 1189 × 19% + 10 = 236 yuan, and this is the 1189 × 19% + 10 = 236 yuan, this is the social security contributions. 236 yuan, this is the meaning of 1189 as the minimum contribution base of social security: even if you get 1000 or 800 yuan a month, you must pay the minimum monthly in accordance with the 1189!

But if your salary is higher than 1189, for example, you get 3,000 a month, then the unit to the labor bureau to pay your insurance (your unit and you pay the social security fees are deducted by the labor bureau Oh ~) should be to the labor bureau, said: "We have a comrade a month to get 3,000 a month, according to 3,000 yuan of the standard deduction of social security premiums. ". Then the labor bureau will pay 3000 for the base to deduct your unit and your money and then hit your social security account, your unit should be paid for you every month 3000 × 41.3% = 1239 yuan, and you should pay 3000 × 19% + 10 = 580 yuan every month

That is to say, if your salary is 1189 yuan, then every month you will be paid in accordance with 1189; if you pay in accordance with 1189; if you pay in accordance with 1189, then every month you will be paid in accordance with 1189, then every month you will be paid in accordance with 1189, then every month you will be paid in accordance with 1189. In accordance with the 1189 payment; if your salary in the 1189 yuan above, then every month you in accordance with your actual salary, unless your salary than the maximum base is higher, if you take 10000 a month and the maximum base is 8000 words, you and your unit are in accordance with the 8000 payment. Here to expose some of the company's shameless practice, these companies may give you thousands of dollars a month, but they go to the labor bureau to declare your base will not be in accordance with your actual salary to report, for example, if you take 3,000 dollars a month, they go to the labor bureau may say you only take 1,189, and then the labor bureau every month, only to deduct your 1,189 × 19% + 10 = 236 yuan, you are afraid that you are also The reason for this is that you feel that you're being deducted less money, and you're actually getting more money in your hand. If so your company is too shameless! Because the company's contribution is more than twice as much as yours, so the less you pay, the less they pay! If your actual salary of 3,000 to calculate, they should pay you 3,000 × 41.3% = 1,239 yuan of social security contributions per month, while according to the 1,189 to calculate, they only pay 1,189 × 41.3% = 491 yuan per month for you! So you're actually at a huge disadvantage! The regular company will only according to your actual salary to the labor bureau to declare and deduct money! Only those underhanded companies will pay you the minimum regardless of your salary!!!! Don't think that the less you have to pay each month, the better! You may have been shamelessly bullied by the company and you are still totally unaware of it!!!! To determine the unit for you in the end to pay the base is how much is very simple: if you deduct 300 dollars a month of social security, then your base is almost 300 ÷ 19% ≈ 1578 yuan, you look at your salary is not this number, if your salary is obviously higher than 1578, for example, every month, you actually get 3000 or 4000, then certainly you have been bullied by the company, be bullied you can go to the local labor inspection brigade to sue the company. The local labor inspection brigade sued your unit, generally a lawsuit a quasi, but it is best to leave the evidence (such as pay stubs, etc.) to find

good and then sue, or you sued the company after the general can not be mixed up - +

To once again explain is that the composition of social security ratios of the various localities are not the same, if you're not in Nanjing, then the proportion of your contribution is likely to be not 19%, but certainly not too much, but the difference is not too much. But it's certainly not too much different, for example, your base may be 20% or 22%, but definitely not 30% or 40%! So although 19% is the proportion of Nanjing, but foreign students can rely on this roughly calculate their own base

The following introduction to the social security contributions to the specific situation and how to use

It has already been said that the social insurance = pension insurance + medical insurance + work injury insurance + maternity insurance + unemployment insurance + housing fund

First of all, the old-age insurance Well

This insurance generally have to pay 15 years to the time of retirement in order to enjoy the pension for life, so want to take the pension students please be sure to start before their retirement 15 years ago, this is outside of Nanjing is almost the same rules if you pay the pension insurance to the retirement age of less than 15 years, that is, when you retire, the state will be your personal account on the 8% of the stored pension all returned to you.

Then you will ask, where did the 21% that the unit paid for you go?

This you do not expect the state will give you, you retire to your personal money away, the state unit for you to pay all the 21% of the money to the national pension fund, from this money and you no longer have anything to do with you may say: Holy shit! That is my money why not give me. Because the state is so the provisions of the return of money when only returned to the individual he deducted his own personal payment of money, the unit for him to pay all the money for the country to contribute to -

We look at the following when you retired pension is how to calculate

Pension algorithms are very complex because the state every year will be the basis for the change in the number of contributions once, for example, well: if you are 30 years old, you are now contributing to the pension fund, you have to pay the amount of money to the state pension fund. age, your current contribution base is 3,000 yuan, and the retirement age if 55 years old, then you must be in your 40 years old before you start to pay the pension insurance, and if you are now from the age of 30 years old to start to pay, pay to the age of 55 years old is 25 years, then first of all, sure you can enjoy the pension, and secondly, if 25 years after your 3,000 yuan contribution base has become 6,000 yuan (I said if), then you 55 years old first of all, every year, every year, every year, every year, every year, every year, every year. Then you are 55 years old, first of all, you can get 6000 × 20% = 1200 dollars a month of the basic pension, which is the state to you, in addition to your personal account money in 25 years has accumulated a lot of the contribution base averaged out well, (3000 + 6000) ÷ 2 = 4500, then you have 25 years on the personal account should have 4500 × 8% (you pay a personal percentage of pension insurance) Pension insurance of the individual proportion) × 25 years × 12 months = 108,000 yuan, then in addition to the previous 1200 yuan you can also get 108,000 ÷ 120 = 900 yuan per month, so you 55 years old from the beginning of the month at least can get 1200 + 900 = 2100 yuan of pension, of course, every year, the base of the country is still rising,

This annual In addition to your own 900 yuan, you will get more money than 1200 yuan every month after retirement, that your pension will of course be more and more

So the more you pay for pension insurance, the better, the more you pay the more you enjoy after retirement, but also, the state adjusts the base every year after you get more and more money, now pay 1000 ten years later to get 1500 are It is possible here to introduce a perverted policy, that is, no matter where you pay social security premiums, when you retire you can only go back to your hukou to enjoy the local retirement treatment, so see, in the base of a high place to pay social security, but retirement back to the base of a low place to enjoy the pension of the people that would have lost a lot of money, why do you say that? I'll give an example, if you are young when you work in Nanjing, paid 20 years of social security and then retired, but if your account in Heilongjiang, then you have to go back to Heilongjiang to enjoy the pension

Gold. If you have paid in Nanjing for 20 years the average base is 3000(I am talking about if), and when you retire the contribution base in Heilongjiang is only 1000(I am talking about if), then you can only enjoy 1000 when you retire! This is a big loss! In a word, if you pay social security in a rich place but retire to a poor place to enjoy social security, then you pay a lot of life but enjoy very little! If you pay 3,000 dollars, you may only get 1,000 dollars! This is a very scary thing, but there is no way, the country is this policy, so please all the current account in the west and other base of low places but in Beijing or Shanghai and other base of high places to work to pay social security students pay attention to, you either in the west to pay social security, or in the retirement of the account before moving to Beijing or Shanghai, or else you are doing life a huge loss of business

Then perhaps you will say

If my account in Nanjing, then I in Heilongjiang to pay 20 years is not good, in the base of the low payment, retirement back to the base of the high place to enjoy high benefits. Wrong! You think the Nanjing Labor Bureau will just let you enjoy it?! Usually in this case Nanjing will find a reason to refuse to transfer you! You'll be smart but not smart enough: you can't get it in Heilongjiang, and you can't get it in Nanjing either! However, some places have some moderating provisions for such a situation, for example, Nanjing allows you to transfer back to Nanjing from a place with a low base for 5 years before retirement, and then continue to pay the high base in Nanjing for another 5 years, after which it allows you to return to Nanjing to enjoy the pension. This policy is not the same in all places, and it is best to go to your local labor bureau to get this right now, so that you don't have to go through unexpected surprises when you retire.

The following medical insurance

This insurance national policy is quite good, the important thing is that the hospitalization reimbursement is quite a lot of before I said that the unit to pay your monthly medical insurance is 9%, your personal monthly payment of medical insurance is about 2% plus 10 yuan of the general medical co-ordination, this general medical co-ordination does not care about anything else only care about your hospitalization, and that 11% of the state will be to your medical account every month to play your own 2% of the medical account. Play your own 2%, if you pay social security every month in accordance with the minimum base of 1,189 yuan, then 1,189 × 2% = 23.78 yuan is the state every month to your personal money, this money you can accumulate directly to the card to buy drugs or outpatient clinic, the remaining 9% of the state will be taken into account to the medical fund

According to the provisions of the Nanjing, if you pay the medical insurance from 2007 to January, you will have to pay a medical insurance premiums, and then you will have to pay the medical insurance premiums, which are the same as those of the medical insurance. January 2007 to start paying medical insurance, then from February 2007 you can swipe the card to buy drugs or outpatient clinic, from July 2007 onwards you can be reimbursed for hospitalization costs, the report is quite complex, for example, well:

If you were hospitalized on August 1, 2007, living in Nanjing's best three hospitals, hospitalization with the medical insurance coverage of the drugs, surgery + hospitalization and other costs a **********************. Hospitalization and other costs a *** spent 5,000 yuan, then the reimbursement of the health insurance center first deducted 1,000 yuan, which is the starting price, the remaining 4,000 yuan health insurance center can be reimbursed 4,000 × 86% = 3,440 yuan, you only have to pay 4,000 × 14% = 560 yuan can be, plus the previous 1,000 yuan starting price, you spent 5,000 yuan, you only have to pay 1,560 And this 1560 yuan can also be deducted from your health insurance card (if you usually do not use that card), so you actually hospitalization does not cost much money medical insurance for our young people than the pension insurance is much more important, after all, hospitalization is really too damn expensive, which is to participate in the most important significance of social insurance where the Nanjing City, however, the provisions of the medical insurance must be paid for a period of 25 years to enjoy after retirement, and the whole life, but also to pay the medical insurance. The first thing you need to do is to get a good deal of money to pay for the insurance, and then you have to pay for the insurance. In practice, many people do not pay attention to save evidence, resulting in their inability to enjoy the workers' compensation insurance, which is a pity if you are off duty when hit by a car, then you should quickly call the police, so that the police to investigate the record and take pictures to collect evidence, the police will give you an accident after the processing of what the appraisal and so on, you can take this to the unit to request the report of the workplace injury. If you have an accident and just let people run away and do not look for witnesses and do not report to the police and so on, that no evidence of the case will not be

Adopted as a work-related injury

Work-related injuries there is also a statute of limitations, if you are out of the July 1, 2007 work-related injuries, you must immediately report the unit to the police to issue the evidence and the accident identification certificate, as well as the work-related injuries you go to the doctor or hospitalized medical records. Hand over to the unit, ask the unit to take these materials to do the identification of work-related injuries, your unit must be in August 1, 2007 before your valid materials sent to the Work Injury Appraisal Center, if more than one month from the date of your injury, the injury may not be identified up. If your unit does not give you identification, then you can take the material to the identification center identification, it is best not to exceed one month, otherwise it will be very troublesome and troublesome

The following maternity insurance

This is also an example of a good, if you are a woman, the monthly salary of 1,000 yuan, January 1, 2007 to pay the maternity insurance, the base of the contribution is 1,189, while you are pregnant in March 2007, you will have to pay the maternity insurance, the base of the contribution is 1189, while you are pregnant. You are pregnant in March 2007, the end of December 2007 gave birth to a child, discharged from the hospital in January 2008, then you have to quickly after the discharge of the marriage certificate (unmarried children can not be reimbursed) + only child certificate (generally speaking, the birth of two children can not be reimbursed) + medical records + build a large and small card examination and hospitalization and surgical costs of all the invoices + hospitalization lists + hospitalization summary of these all the materials to the company, if you are pregnant If you are pregnant and spend 500 yuan for examination, hospitalization + surgery when giving birth to a child spent 2000 yuan, in general, the company's health insurance regulations within the scope of basically can reimburse you for all the reimbursement, reimbursement of the money to you include: 500 yuan for examination + 2,000 hospitalization and surgery + 1,189 yuan / month × 4 months = 7,256 yuan, 1,189 yuan / month × 4 months, this is the health insurance center special reimbursement for the girl This is a special subsidy from the health insurance center for girls who claim for maternity insurance, and only girls who claim for maternity insurance can get it. The state stipulates that girls must be reimbursed for maternity insurance for 4 months of average salary, so you not only do not spend money but also earn 4 months of salary if you give birth to a child! If you pay a higher base amount than your salary, for example, if you pay 1,189 dollars for 1,000 dollars, then you will also earn. The first thing you need to do is to pay for a minimum of one year's worth of maternity insurance,

Additionally, there is the question of whether or not a man can be eligible for maternity insurance,

But there is also the question of whether or not a man can be eligible for maternity insurance.

If you are a male, your wife does not work or work unit does not pay insurance, and she gave birth to a child when you pay maternity insurance has

over one year, then you can also reimburse the maternity insurance Oh, but in the previous example, for example, you can only reimburse the examination fee of 500 yuan + 2,000 yuan hospitalization surgical fee of half of the = 1,250 yuan, the subsidy of 1,189 yuan / month × 4 months of salary, you will enjoy the benefits of the maternity insurance. The subsidized 1189 yuan/month x 4 months of salary you can not enjoy! The first thing you need to do is to find an organization to pay for maternity insurance a year in advance, so you can earn money. And if a guy wants to marry, it's best to marry a girl who has already paid a year's worth of maternity insurance when she has a baby, and who pays a higher base amount than her own salary. However, if she really does not have insurance is okay, you can also give her reimbursement of maternity insurance, but you do not subsidize the 4 months of salary to take, and the cost of the newspaper you can only get back half.

Unemployment insurance

Unemployment insurance, this is also to pay a full year to enjoy, generally pay 1 year to get 2 months, pay 2 years to get 4 months, but a lifetime of up to 24 months. For example:

If you start paying insurance on January 1, 2007, in January 2008 you were dismissed by the company, then you can let the company give you 2 months of unemployment insurance, if the year you are to 1189 the base of the insurance, then you can get at least 2 months more than 800 yuan or you start paying insurance on January 1, 2007, in January 2008, you can get more than 800 yuan or you and the company contract expired. and the company's contract expires, you do not want to renew the contract, then you can also leave the company before the company to give you to get 2 months of unemployment insurance, also more than 800 yuan that is to say the expiration of the contract or the company dismissed, you can be in accordance with the proportion of a year to get 2 months of unemployment benefits to ask the company to give you

Or if the company does not give you to do it, you can go to the lawsuit, a lawsuit a quasi-prosperity.

But if your contract does not expire and you resign, then even if you pay a full year will not enjoy the unemployment insurance as long as the resignation, not to mention the payment of 1 year, is to pay 10 years of unemployment insurance to the resignation of the time you can not get a penny.

Housing Provident Fund is a good thing ah

Said so, if you pay 200 dollars a month for the provident fund, then the company every month to your account to play 200 dollars, you buy a house

This is 400 dollars, if you pay 50,000 for a lifetime, then your account is 100,000, this kind of good thing we must not refuse ah.

Public Provident Fund can be used to buy a house, pay back the loan, renovation and so on, if your own family can find land to build a house, that builds a house money can also be paid from the Public Provident Fund

If you have not been using this money, and finally retired when it seems to be able to take all the money out of the bar

[Advanced]Various supplemental instructions[5KB]Let's talk about the difference with the Nanjing.

The Mordor is not allowed not to pay medical insurance, that is to say, the social security center of this piece of

including old age medical unemployment injury maternity together with the enterprise asked to collect, but the provident fund can be paid not to pay, because it is under the jurisdiction of the provident fund center

specific social security composition of the proportion of:

pension insurance: unit each month for you to pay 22%, you pay 8%

Medical insurance: the unit pays 12% for you every month, and you pay 2%;

Unemployment insurance: the unit pays 2% for you every month, and you pay 1%;

Worker's compensation insurance: the unit pays 0.5% for you every month, and you don't pay a penny;

Maternity insurance: the unit pays 0.5% for you every month, and you don't pay a penny;

Maternity insurance: the unit pays 0.5% for you every month, and you don't pay a penny;

Maternity insurance: the unit pays 0.5% for you every month, and you don't pay a penny. Yourself a penny do not pay;

Housing Provident Fund: unit each month for you to pay 7%, you pay 7%

Supplementary Housing Provident Fund: unit each month for you to pay 8%, you pay 8% (this is only generally very good benefits of the state-owned enterprises will have, and the proportion of the company's own decision, the general company to pay for a provident fund even if the very moral)

Additionally, the social security and the transfer of funds to the public. To say is the relationship between social security and personal tax

In the payment of personal tax, it is the personal deduction that part of the deduction and then calculate the taxable base, but there is a point to note that the provident fund and supplementary provident fund more than 12% of the portion of the (personal and corporate contributions) also need to be calculated in the taxable base. For example, the above mentioned provident fund 7%, supplementary provident fund 8%, which adds up to 15%, then the personal deduction of that 3% of the portion of the gold to be counted in the taxable amount, at the same time, the enterprise's that 3%, although not deducted from the individual's salary, but still have to be counted in the taxable base, that is to say, the individual has to be for the cost of this fee for the individual transfer tax to pay the bill.

Medical insurance use this piece, around the way for the transfer of personal account is different love said Nanjing kind of monthly transfer, there are a lot of places is a yearly transfer. Specifically, this is the case, the health insurance year is April 1 each year to March 31 of the following year, while the social security contribution base change is also determined in early to mid-April. Health insurance bureau will be in accordance with each person's social security base on April 1, 1 year of individual health insurance (that is, the 2%) into the individual health insurance card account, but then there is a problem, April 1, the year's social security base has not yet been established, the health insurance bureau can only be in accordance with the previous year's base to estimate the year's individual health insurance premiums, so what to do about this difference? That is on April 1 of the following year to make up for the undercount or deduct the overpayment.

It may seem like a lot of work for such a large paragraph, so let's take an example

Someone's average monthly income was 5,000 yuan in 2004, 4,000 yuan in 2005, and 6,000 yuan in 2006. When the MPS credited the amount to the personal account on April 1, 2006, the Social Security Center had not yet approved the contribution base for 2006 (that is, the average monthly income in 2005), so the MPS still calculated the amount of the personal account for the year in accordance with the contribution base for 2005 (that is, the average monthly income in 2004), which was 5,000*2%*12=1,200, but In fact, this person's personal account amount for the year should be

4000*2%*12=960, then this extra 240 yuan will be deducted on April 1, 2007 when the time comes. Meanwhile the new year's personal payment credited to the account on April 1, 2007 will still be 960 yuan (actually it should be 6000*2%*12=1440 yuan), and the lesser amount of 480 yuan will be made up on April 1, 2008 to make up for it. So because most people's contribution base is different every year, almost everyone's account totals in March and the amount they

see in their accounts in April

for the calendar year are different, and that's what the Health Insurance Administration produces when it does its annual cost accounting.

There is also a statute of limitations for work-related injuries, if you have a work-related injury on July 1, 2007, you must immediately report to the unit, the evidence issued by the police and the certificate of accident as well as your work-related injuries after the visit to the doctor or hospitalized medical records to the unit, so that the unit to take these materials to do the identification of work-related injuries, your unit must be in August 1, 2007, before the validity of the materials sent to the work-related injuries identification center. If the day of your injury is more than one month away, the injury may not be identified. If your unit does not go to your identification, then you can take the material to the identification center identification, it is best not to exceed one month, otherwise it will be very troublesome and troublesome

This point has a complementary, declared work injuries there are two ways, one is the unit to declare, and the same as the above love to say, 30 days, and another is the declaration of the individual, a year, but because of the injury or for other reasons, the longer delayed However, due to the injury or other reasons, the longer the delay, the more insufficient the evidence will be. Personal declaration will also delay a lot of time and energy because you don't know the process.

In terms of maternity insurance, for miscarriage, difficult labor, multiple births, and premature births, you can look at this link below for more details, although it's Shanghai's policy, there are similarities all over the world.

Maybe there is a difference in policy between Shanghai and Nanjing, the company absolutely does not care about this aspect of the reimbursement, are directly linked by the medical insurance and pregnant women in the maternity check birth hospitalization, medical insurance within the scope of the medical insurance co-ordination are medical insurance co-ordination payment, of course, out-of-pocket expenses of the project (such as high-grade wards, out-of-pocket expenses, etc.) or to bear the burden of their own.

After the birth of the child, they go to the health insurance bureau to apply for maternity benefits, the health insurance bureau to give 3,000 yuan of social security that, and then give three months of the contribution base of the income. Late childbearing plus half a month, multiple births, more than one plus half a month

If the previous year's average monthly wage income is greater than the upper limit of the social security contribution base, then the social security will only pay for that part of the contribution base, the rest of which is paid by the company

For example, a person's previous year's average monthly wage income of 10,000, the social security base is capped at 7,392.

The social security to give the 7,392 in monthly income, and the remaining 10,000-7392=2,608 is what is paid by the organization.

(Although I think this is a situation that is less likely to be encountered by those of you in the cloud =. =.)

In fact, there are two key points:

1, the birth of a child before the payment of fees for 1 year

2, social security contributions to the base of the normal declaration

So students, especially female students, do not feel that the company declared the base of the high and low does not matter to you, and even for the base of the lower some of their wages to the hands of the higher to celebrate, to the point of time to see the problem to it!

This is why there are so many female workers would rather stay in the low-wage but social security full declaration of the place to give birth to a child before jumping ship, a small place does not like unmarried unmet female employees, and secondly, maternity insurance is also a large amount of income supplements. For example, a person's normal salary of 3,000, but the social security base declaration counts her year-end awards and so on other bonus income, then the monthly average may reach 5,000, this time to give birth to a child of those months to take the January 5,000 income.

If you haven't been using the money, you can seemingly take it all out when you finally retire

Not seemingly, but definitely!

And the fact that CPF loans have much lower interest rates than commercial loans is also a big plus.

Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"