The problem of basic medical insurance for college students

What are the benefits of social insurance and commercial insurance

Social insurance has more benefits,

Social pension insurance covers a relatively wide range of

1 medical, 2, unemployment, 3, maternity, 4, industrial injuries, 5, old age, several aspects.

And social security can pay less tax first of all all social security is tax-exempt, to an income of 5,000 yuan, the personal income tax rate is 15%, if the company can pay the full amount of wages to pay social security, pay 8% of the pension insurance 400 yuan, 2% of the medical insurance 100 yuan, 0.5% of the unemployment insurance, 25.5, 8% of the housing fund 400 yuan, a * * * is 400 + 400 + 100 yuan. ** is 400 + 400 + 100 + 25.5 = 925.5 yuan. Then the tax that can be saved is: 925.5% 15% = 138.83 dollars. Second, in fact, most of the social security is not paid for nothing, in the end are their own. For the individual, in addition to the procedures trouble a little, in the economy there is no loss, not only paid up the money can be returned, but also have more earnings.

Commercial pension insurance is a kind of commercial insurance, which takes human life or body as the object of insurance, and pays the pension by the insurance company according to the contract when the insured person retires in old age or the insurance period expires. At present, commercial insurance in the annuity insurance, two insurance, term insurance, whole life insurance can achieve the purpose of old age, that is, all belong to the category of commercial pension insurance.

The old age, the social security is not as good as the commercial insurance, because now the social security of the old age of the annual rate of 1.8 times the rate of growth, and to the age of receiving, can only be in accordance with the minimum standard of living at that time to receive, and the death can only receive a few thousand or more than 10,000 convergence of the funeral expenses, the commercial insurance, a fixed annual payment of a certain amount of money, will not be increased, and after the death of the insurance amount paid according to the time of purchase. The amount of insurance coverage, so each has its own advantages.

Social security medical reimbursement in the shape of a V, the lower part of which can not be reimbursed i.e., the deductible, the higher part of which is not reimbursed, imported medicines are not reimbursed, it is equivalent to the middle part of the V shape reimbursement, the rest to be resolved through commercial insurance! So China's ninth premier (March 17, 1998 - March 16, 2003) Zhu Rongji said: basic medical insurance can only be a low level of "insurance", rather than "package", insurance is only a basic protection, the excess should be solved mainly through commercial insurance. Commercial insurance to solve the problem, now is the time to change the concept, it should be clear that health investment is everyone's responsibility, can not rely entirely on society, society requires us to actively participate in commercial insurance!