Why does the state buy social security and medical insurance for civil servants and so-called unit personnel, and can still get so much after retirement?

1, endowment insurance.

1 & gt； Civil servants and full-time institutions (including schools) do not pay individual endowment insurance, which is entirely borne by the state.

2> Institutions, state-owned enterprises, private enterprises, individuals and units shall bear their respective proportions.

Under normal circumstances: to receive a pension after retirement: teachers > civil servants > career personnel > state-owned enterprises > private enterprises.

2. Medical insurance.

1 & gt； The medical insurance payment bases of civil servants, state-owned enterprises and private enterprises are different, so the money transferred to the card is different.

2> The reimbursement rate of hospitalization credit card is the same, but in order to protect the health of civil servants and full-time employees, local governments have specially set up a subsidy policy for civil servants from the financial aspect, that is, after medical insurance reimbursement, local governments will give medical insurance according to local actual conditions, and civil servants will be subsidized for reimbursement.

As for how to calculate it, local policies are different and it is not easy to answer.

The calculation of medical insurance includes three aspects.

& lt 1 & gt； Pay line. In other words, your hospitalization expenses must reach above the deductible set by him before you can enter the medical insurance reimbursement. Different levels of hospitals have different ups and downs.

& lt2> medical insurance catalogue. Doctors' prescriptions should be within the scope of medical insurance reimbursement, so the reimbursement rate is high.

& lt3> phased ratio. For example, your hospitalization fee is 10000 yuan. If you can't reimburse after deducting medical insurance, let's call it 8000. Various places may still be doing calculations in this place. (For example, what proportion will be reimbursed for less than 5,000 yuan and what proportion will be reimbursed for 500 1- 10000. This is formulated in various places, I'm just making an analogy)

Since pension and medical insurance are independent now, there is no connection at the provincial level. So it's safer to consult the local authorities.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.