The difference between five insurances, one gold, one gear and two gears

The main differences between five insurances, one gold, one gear and the second gear are as follows:

1, payment difference: different levels of social security payment amount is different.

2. Difference in treatment: The higher the payment base, the higher the personal account balance and the higher the interest income. Plus the basic pension, because the basic pension is calculated according to the average social wage plus the average payment index wage over the years, the higher the average payment base, the higher the average, the greater the proportion of the average social wage, and the more pensions you receive.

Specific differences:

Difference 1. The payment ratio is different. The payment ratio of the first grade of medical insurance is 8. 2%, the unit pays 6. 2%, the individual pays 2%, and the payment base is the actual payment salary of the employees (the minimum is 4488 yuan), with a total payment of 368 yuan; The contribution rate of second-class medical insurance is 0. 8%, the unit pays 0. 6%, individuals pay 0. 2%, the payment base is the average monthly salary of employees in the previous year (now 7480), and the total payment is 59. 8 yuan.

Second, the applicable population is different. The first file of medical insurance: deep households are forced to buy one file, and non-deep households can also buy one file, such as listed companies of well-known large companies; Second-class medical insurance: Generally, companies pay second-class medical insurance, because enterprises also have benefits.

Difference three. The principle of seeking medical treatment is different. First-class insured: any designated medical institution in this city for medical treatment; The second class insured person goes to the bound social health center for medical treatment, is hospitalized in any designated medical institution in the city, and is seriously ill in the prescribed medical institution.

Difference four, hospitalization reimbursement is different. 90% of the first-class hospitalization reports need to be hospitalized in designated hospitals; 90% of the secondary hospitalization reports require hospitalization in designated hospitals.

Difference 5. Outpatient reimbursement is different. The first file has been insured continuously 12 months. If the annual self-expense exceeds 3 13 1, 70% can be reimbursed, 30% can be reported for community medical clinics, and 80% can be reported for large-scale equipment inspection. The annual outpatient fee for level II is 1 1,000 yuan, which needs to be bound to the community health hospital. Maximum examination and treatment amount of large-scale outpatient equipment 1.20.

Difference 6. The time requirements for enrollment are different. If the first insured person has been insured for one year in a row, the average salary of supermarket employees is 5% of the basic outpatient medical expenses and supplementary medical expenses paid by himself in the same medical insurance year, and 70% (80% for those over 70 years old) of the excess is paid by the overall fund according to regulations; The secondary insured has no specific time requirement.

First, five insurances and one gold are divided into several grades.

Due to different payment rates, social security is now mainly divided into three grades, namely, the first grade, and the second and third grade payment rates are 60%, 80% and 100% respectively.

Five insurances refer to five insurances in social security, namely maternity insurance, industrial injury insurance, medical insurance, unemployment insurance and endowment insurance. Five insurances and one gold are actually the collective name of five insurances and housing accumulation fund.

When we pay five insurances and one gold, we all have a fixed payment ratio. The deposit ratio of general provident fund is between 8%- 12%. For example, if the employee's contribution base is 3,000 yuan, he will pay 8%, and his provident fund is 240 yuan.

2. What is the proportion of individuals and companies with five insurances and one gold respectively?

1. Endowment insurance: 20% for the unit and 8% for the individual.

2. Medical insurance: the unit needs to pay 10%, and the individual needs to bear 2%, plus ternary critical illness insurance.

3. Unemployment insurance: the proportion that the unit needs to bear is 1%, and the proportion that the individual needs to pay is 0. 2%。

4. Work-related injury insurance: the unit needs to pay 1%, and the individual does not need to pay.

5, maternity insurance: the unit needs to bear 0. 8% of the payment ratio, individuals do not need to pay.

6. Housing accumulation fund: the contribution ratio of units and individuals is the same, ranging from 8% to 12%.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 20 of the Regulations on the Management of Housing Provident Fund

The unit shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.

Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee;

After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.