The Difference among the First, Second and Third Social Security in Shenzhen

The differences between the first, second and third grades of Shenzhen social security are as follows:

1, different payment standards:

The first file: I pay the monthly rent according to the standard of 8% of my total monthly salary, of which the employer pays 6.2% and the individual pays 2%.

The second file: the payment base of the second file of medical insurance is the average monthly salary of employees in Shenzhen last year, and the payment ratio is 0.8%, of which the unit pays 0.6% and the individual pays 0.2%.

The third file: The payment base of the third file of medical insurance is the average monthly salary of employees in Shenzhen last year, which is currently 8,348 yuan, and the payment ratio is 0.55%, of which the unit pays 0.45% and the individual pays 0. 1%.

2, outpatient treatment is different:

Level 1: 70% of the basic medical expenses of the community health center are paid by the individual account, and 30% by the overall fund according to the regulations.

Grade II/III: The drugs belonging to Class A and Class B shall be paid by the community outpatient co-ordination fund according to the proportion of 80% and 60% respectively; Single diagnosis and treatment or medical materials belonging to the medical insurance catalogue shall be paid by the community outpatient co-ordination fund for 90%, and the maximum payment amount shall not exceed 120 yuan; The total annual payment of the community outpatient co-ordination fund shall not exceed 1000 yuan.

3, hospitalization is different:

Level 1: 95% or 90% of the basic medical expenses incurred in hospitalization and supplementary medical expenses above the deductible line shall be paid according to the regulations.

Second gear/third gear: you can be hospitalized in the settlement hospital of the bound social health center, or you can be referred to the designated hospital for hospitalization through the settlement hospital. The reimbursement ratio of basic medical expenses and local supplementary medical expenses is: first-class hospitals: 85%; Secondary hospitals: 80%; Level III hospital: 75%.

Shenzhen social security use method is as follows:

1. Non-Shenzhen employees can't swipe their medical insurance cards, and outpatient services can't be reimbursed; Emergency hospitalization can be reimbursed according to Shenzhen standard, that is, 90% of reimbursement is paid by the basic medical insurance serious illness pooling fund;

2. If the reimbursement rate for non-emergency hospitalization is reduced by 40% based on the original reimbursement rate. It is suggested that employees in different places register for emergency when they are hospitalized. After the employee is hospitalized due to illness, I will pay cash in advance, and apply to the municipal social insurance institution with relevant documents and materials within 12 months from the date of discharge, and the Shenzhen social insurance institution will review and reimburse according to the regulations. Old-age insurance: after reaching retirement age, you can receive a monthly pension; Medical insurance: it will take effect after three months, and those who are hospitalized can be reimbursed; Maternity insurance: basically, all children can be reimbursed after the unit has paid for one year; Unemployment insurance: if you pay for more than one year and can't find a job temporarily, you can get a little unemployment benefit; Work-related injury insurance: once a work-related injury occurs, the treatment expenses will be paid by the work-related injury fund. Social security is to calculate the cumulative number of years, and it can be interrupted halfway. If you resign, you can turn social security into personal payment and pay it as a flexible employee. Or wait for a new unit and let the new unit continue to pay wages.

To sum up, social security, also known as social insurance, is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

Legal basis:

Article 2 of the Measures of Shenzhen Municipality on Social Medical Insurance

The city implements a multi-level and multi-form social medical insurance system.

The government establishes basic medical insurance and local supplementary medical insurance.

According to the payment and corresponding treatment, the basic medical insurance is divided into one, two and three forms. Article 2 This Municipality implements a multi-level and multi-form social medical insurance system.