Social security does not transfer will have any effect

First of all, social security can only transfer three insurance: medical insurance, pension insurance and unemployment insurance. The rest of the maternity insurance and work injury insurance, can not be transferred.

So, if you don't transfer social security, the main impact is medical reimbursement and pension benefits.

①Impact on medical reimbursement

Medical insurance is divided into two categories, employee medical insurance and resident medical insurance. Let's take Beijing as an example:

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You can see that the employee health insurance is a bit more expensive, but the comprehensive reimbursement treatment is better than the resident health insurance.

And change the city to work, if you do not transfer the health insurance, the biggest impact is the employee health insurance, there are two main effects:

Can not enjoy the lifelong health insurance treatment: At present, the medical insurance has not yet realized the national network, in more than one place to pay the medical insurance, if you want to social security contributions to the years accumulated together, it is necessary to apply for the transfer. Otherwise, if you want to enjoy lifelong medical insurance reimbursement treatment, you have to pay a few more years.

The balance of the medical insurance card may not be used: for example, if you used to work in Chengdu and then went to Guangzhou. Although the money in the card won't be zeroed out, if you don't apply for a transfer, the individual account balance of your Chengdu health insurance won't be able to be used in Guangzhou.

Here is also a reminder that the transfer of health insurance can only be transferred from employee health insurance to employee health insurance. The residents of the medical insurance, the equivalent of paying a year to insure a year of short-term medical insurance, enjoy life-long medical treatment, but also can not do the transfer procedures.

② Affect the pension treatment

We all know that the pension insurance should be paid at least 15 years before retirement.

But because the social security has not yet realized the national network, more than one place to pay the social security, if there is no transfer, may not be able to reach the cumulative number of years of contributions, and then can not handle the retirement.

2, to work abroad, do not necessarily have to transfer social security

Previously we have talked about the impact of not transferring social security, but pay attention to, and not to work abroad, you need to transfer social security immediately. Generally only those who are about to retire, we recommend transferring social security as soon as possible.

If you are currently in the stage of wandering around, and may continue to change the city development, do not rush: wait to determine the final retirement place, and then for social security transfer is not too late.