How does a social security card become a gold card?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

First, how to convert the social security card:

The gold card is directly insured by the Municipal Social Security Bureau, and the silver card is insured by the Social Security Bureau below the city. If you want to convert a silver card into a gold card, there are two ways:

1. If you go to an enterprise in the core city for employment, the enterprise will buy you a gold card.

2, to the government employment, even the staff in the city are also purchased by the city, which is also a gold card.

Basically, these two ways.

Second, the difference between a gold card and a silver card.

The difference between a gold card and a silver card has nothing to do with people, but with things rather than people. The gold card is only provided to the units directly insured by the Municipal Social Security Bureau, regardless of household registration. As long as they are insured by the Municipal Social Security Bureau, they are all gold cards.

Since June 65438+1 October1in 2009, the maximum reimbursement amount for hospitalization of Gold Card has not been capped, but the condition for reporting 95% is capped 15000, and the part exceeding 15000 seems to be 70%. From the date of 65438+1 October 1 in 2009, the silver card and the agricultural insurance card were capped at 1 10,000, and 95% of 1 10,000 was reimbursed, which was the part borne by individuals above110,000.

Gold cards cannot be reimbursed in outpatient clinics, not before and not now. But because the gold card will return a certain amount of money to the personal medical insurance account every month, you can use this money to go to the clinic with the machine that swipes this card, but these are all your own money. If you don't brush, you can go to a Chinese medicine shop to buy things, which is different from a silver card. Silver card has no personal medical account, so there is no money to pay it back.

From June 2008 10, the bank card and the rural insurance card can be reimbursed at the designated community medical service center.

As for why the gold card and the silver card should be divided, it is mainly the issue of per capita salary. In fact, the verification of various expenses in social security is carried out around the average salary of the previous year. The urban area is the most developed area in Dongguan, where the average wage level is definitely higher than that of villages and towns, which is inevitable. Therefore, the average wage of employees in the units directly under the Municipal Social Security Bureau in urban areas is particularly high, and the medical insurance amount based on the average wage in urban areas is very high, now it is about 200 yuan a month, while the individual payment of the silver card and the agricultural medical insurance card in towns and villages now only needs about 20 yuan, with a difference of 8 to 10 times. If the reimbursement terms of the gold card and the silver card are the same, it is unfair to the municipal insured. That's why the gold card and the silver card are divided. Gold card users pay about 100 yuan per month, excluding the money returned every month, which is 4 to 5 times more than that of township insured people.

In fact, the gold and silver cards of social security are different from those of banks. Banks use gold and silver cards as a symbol of identity, while the gold and silver cards of social security only distinguish user groups, which does not mean that people who hold gold cards do not have to queue up, nor does it mean that people who hold gold cards are rich.