The difference between the second and third social security

The difference between the second and third types of social security is mainly reflected in the payment standard, the level of security, the scope of application and so on.

Specifically, the second-grade social security usually has a low payment and a relatively low level of protection, which is mainly suitable for people with low income or simple needs; The third social security has higher payment and higher level of protection, and is usually suitable for people with higher income or more complicated needs.

The first is the difference in payment standards.

The payment standard of second-grade social security is usually close to the people, aiming at lowering the threshold of participation and allowing more people to enjoy basic social security. Its payment amount is relatively low, which is suitable for people with low income or great economic pressure.

In contrast, the payment standard of tertiary social security is higher. This is because the third social security provides more comprehensive and richer security content, and higher payment is needed to support the implementation of these security measures.

Second, the difference of protection level.

The second level of social security mainly meets the needs of basic medical care and old-age care, and the scope of protection is relatively narrow. Although it can provide some financial support, it may seem inadequate in the face of major diseases or high medical expenses.

Three-level social security provides a more comprehensive and advanced guarantee. In addition to basic medical care and old-age security, it may also include higher-level medical services and better old-age services. This enables the third-level social security to provide more powerful support in the face of various risks.

Third, the scope of application differences

The second social security is mainly suitable for grassroots workers, low-income families and other people. These people's demand for social security is relatively basic, mainly focusing on basic medical care and old-age security.

Third-grade social security is more suitable for middle-and high-income people or people with special needs. These people have higher requirements for the level and content of social security, and need more comprehensive and advanced security to meet their needs.

To sum up:

There are obvious differences between the second-level social security and the third-level social security in terms of payment standard, security level and scope of application. The second kind of social security is suitable for people with low income or simple needs and provides basic social security; The third social security is suitable for people with higher income or complex needs, providing more comprehensive and advanced protection. The insured can choose the appropriate social security grade according to their own economic situation and security needs.

Legal basis:

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

Article 10 stipulates:

Employees should participate in basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, and employers and employees should jointly pay basic old-age insurance, basic medical insurance and unemployment insurance.

Article 16 stipulates:

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.