The difference between the first file and the second file of non-deep household social security

The main difference is that the amount of medical insurance and endowment insurance is the same. Mainly includes the difference of payment and treatment.

Payment difference:

The payment base of the first file is the total salary of last month, and the payment ratio is 8.2%.

The second payment base is the average monthly salary of employees in the previous year, and the payment ratio is 0.8%.

The payment base of the third file is the average monthly salary of employees in the previous year, and the payment ratio is 0.55%.

First-class medical insurance

1, the contribution ratio: 8.2%, of which the unit: 6.2%, the individual: 2%.

2. Payment base

Total wages of employees last month. The upper limit is three times the average monthly salary of employees in last year (1 1620), and the lower limit is 60% of the average monthly salary of employees in Shenzhen last year (11620).

Secondary medical insurance

1, the contribution ratio: 0.8%, of which the unit: 0.6% and the individual: 0.2%.

2. Payment base: the average monthly salary of employees in Shenzhen last year (1 1620).

Three-level medical insurance (basic+land supplement)

1, the contribution ratio: 0.55%, of which the unit: 0.45% and the individual: 0. 1%.

2. Payment base: the average monthly salary of employees in Shenzhen last year (1 1620).

Differences in treatment:

The reimbursement scope of the first-class insured is larger than that of the second-class and third-class insured, and the reimbursement ratio is more. For example, general outpatient treatment:

A class of insured persons: personal accounts are used to pay medical expenses within the scope of the general outpatient medical insurance catalogue; 70% of the medical expenses of community health centers are paid by individual accounts and 30% by pooling funds.

Second/third insured:

Class A and B drugs: 80% and 60% paid by the community outpatient co-ordination fund;

Medical insurance catalogue for single diagnosis and treatment or medical materials: 90% shall be paid by the community outpatient co-ordination fund, and the maximum payment shall not exceed 120 yuan.

The total outpatient medical expenses paid by the community outpatient co-ordination fund in a medical insurance year shall not exceed 1000 yuan.

If you pay it yourself and you have plenty of money, of course, you choose to pay it first. Not only will the amount be recorded in the account every month, but more importantly, the future medical insurance retirement benefits will be approved according to the first file. Followed by the second gear, it is also recognized as a cost-effective grade. Both enterprises and individuals tend to pay this grade. If you go to work normally, you can choose to pay a file if you can. Although individuals pay a little more, considering the minimum monthly income of 348.6 yuan, there are retirement benefits. It's a good deal.

In short, the welfare difference between the first and second files of non-deep household social security is mainly the medical gap, so the cost of the first file of medical care will be higher when charging, resulting in the high cost of the first file.

Legal basis:

Article 57 of People's Republic of China (PRC) Social Insurance Law

The employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate.

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.