Shanghai small town insurance to town insurance.

I asked an HR, and her answer was that comprehensive insurance only has the overall part (paid by enterprises) and no personal part (paid by individuals). The money in it is entrusted to Shanghai Medical Insurance Fund for social co-ordination, and actually entrusted to China Life Insurance, so this comprehensive insurance is actually the same as commercial insurance in society. Before the comprehensive insurance is blocked, you can actually only buy medicine at the pharmacy with the 20 yuan paid by the enterprise every month, but you can't use it at the outpatient clinic. Hospitalization expenses will be reimbursed according to the situation. After the cancellation of comprehensive insurance, it is said that comprehensive insurance can be incorporated into the city insurance in proportion, but the proportion is very small. Urban insurance is jointly paid by units and individuals.

conversion process

1. When an old employee transfers from comprehensive insurance to social security, he should first return the comprehensive insurance, fill in the comprehensive insurance cancellation form, and then provide the photo scanning form, personal information collection form (employees who have paid comprehensive insurance before still need to collect information again), employment registration form and submit it to the foreign labor service management office.

2. Bring the Employment Registration Form and Personal Social Insurance Registration Form stamped by the migrant workers and a copy of their ID cards, and submit them to the Social Security Center.

All the forms provided above must be stamped with the official seal, and the first step of surrender is omitted for new employees. Everything else is the same.

The following is for reference.

The risk of employees participating in urban insurance is endless:

It is beneficial for foreign employees to apply for residence permit to transfer to household registration, but there are still many unfavorable factors in the policy of workers, and a series of problems such as receiving social security and connecting in different places have not been solved.

Without Shanghai household registration, even if you pay "city insurance" in Shanghai, you can't receive old-age insurance in Shanghai after retirement. According to the current policy, the payer can apply to the social security agency where the household registration is located to transfer the amount and years of the old-age insurance payment he has already paid. But only personal accounts can be transferred, and those who enter the overall account cannot be transferred. In other words, foreigners who work in Shanghai can only withdraw 8% of their personal contributions when they leave Shanghai, and 22% of their corporate contributions cannot be transferred to other places. Similarly, when leaving Shanghai, the medical insurance account can only transfer 2% paid by individuals, and 12% paid by enterprises cannot be withdrawn.

Therefore, under the current policy, comparing comprehensive insurance with urban insurance, we will find that:

1, comprehensive insurance is only paid by the unit, but not by foreign employees, and urban insurance is paid jointly by the unit and individual. Therefore, in terms of wages, comprehensive insurance is more;

2. If the foreign employees don't get the Shanghai hukou, the unit contribution in their social insurance is equivalent to playing Shui Piao, and what they can get is only the individual contribution, which is not much different from the comprehensive insurance.

Therefore, many foreign employees said that under the current policy, it is still a good choice to pay comprehensive insurance for those who cannot obtain Shanghai household registration.

It is very important to solve the problem of the connection between household registration and social security in order to remove the deadlock in the hearts of foreign employees.

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