Is the social security card for urban workers the same as that for urban and rural residents?

There will be such a question because when we go to the hospital to see a doctor, we used to disting

Is the social security card for urban workers the same as that for urban and rural residents?

There will be such a question because when we go to the hospital to see a doctor, we used to distinguish between various identities, and various medical records and medical cards gradually disappeared, replaced by a unified social security card. Even we can complete registration and payment operations on machines that can be seen everywhere in the hospital without queuing at the window.

However, as we all know, the social insurance system for urban workers is different from that for urban and rural residents. Two different insured groups have fulfilled different payment obligations, so is there a difference in the treatment they enjoy?

On the surface, people ask whether the social security cards in the hands of the two groups are the same. In fact, what people want to know is: Do you have the same social security card and enjoy the same treatment? Does this difference in treatment reflect fairness?

With the continuous advancement of China's social security informatization construction, the informatization degree of labor employment and social insurance business is getting higher and higher, especially the application of cross-regional information exchange and settlement platform in China is becoming more and more extensive. It is more and more convenient for people to apply for insurance and social security benefits, and these changes are intuitively reflected in one card-social security card.

This card has a wide range of functions. Cardholders can not only hold cards for medical treatment, but also make real-time settlement of medical insurance personal accounts, and also handle endowment insurance affairs. Of course, you can use this card to apply for job registration and unemployment registration, apply for unemployment insurance, apply for employment training, apply for labor ability appraisal and apply for work-related injury insurance benefits.

In this case, the information recorded in everyone's card will definitely be different. Just like a bank card. It looks the same on the surface, but the money in the card is different. So what is the specific difference? Limited to space, here is only a brief introduction to the difference between endowment insurance and medical insurance.

In terms of old-age insurance, the basic old-age insurance for urban employees is paid by employers and individual employees, and the payment base is determined according to the salary level of employees and paid monthly. Among them, individual contributions are included in individual accounts.

The endowment insurance for urban and rural residents is paid by individuals, and the finance gives appropriate subsidies. The level of payment is generally divided into three grades: high, medium and low, which are freely chosen by the insured and paid annually. The overall payment level is low. Personal contributions and financial subsidies are included in personal accounts.

Although it is a social insurance system established by the state, it must also follow the insurance principle-equality of rights and obligations. The level of insurance benefits is linked to the amount of payment to a certain extent. The treatment level of the two kinds of old-age insurance, especially the basic pension, is very different. After all, the basic pension of urban workers is paid from the social insurance fund paid by enterprises, while the basic pension of urban and rural residents is paid entirely by the government.

In terms of medical insurance, the basic medical insurance for urban employees is also jointly paid by employers and individual employees. The payment base is determined according to the salary level of employees and paid monthly. The part paid by the individual and the part paid by the employer are included in the personal account.

Endowment insurance for urban and rural residents is also a personal contribution and financial subsidy. Pay annually, but don't set up a personal account.

Similarly, in terms of treatment enjoyment, there will be some differences between the two medical insurances in the minimum payment standard and the proportion of individual commitment. At present, China's social insurance fund is still in the stage of county-level overall planning, and the financial situation and balance of social insurance funds vary from place to place, and the specific minimum payment standard and payment ratio also vary from place to place.

The insurance benefits of urban and rural residents are lower than those of urban workers, which reflects the principle of fairness in social insurance. More importantly, this system design ensures the sustainability of the policy to a certain extent. After all, we don't want the situation that financial funds are tight and insurance benefits are unsustainable because of one-sided pursuit of the level of protection.

Similarities and differences between urban workers' social security cards and urban and rural residents' social security cards

First, the social security cards of urban workers are the same as those of urban and rural residents.

1. The cards have the same shape, format and appearance.

2. The usage and function are basically the same.

The social security card has the following functions:

1. Enable the social security function while enabling the financial function of the social security card;

2. Directly handle the activation business in the social security card management center;

3. Use social security cards in designated hospitals to directly enable social security functions;

Second, the social security cards of urban workers and urban and rural residents are different.

1. The payment method is different.

Social insurance for urban workers, urban workers here refer to workers who have established labor relations with employers. Social security for urban workers is jointly paid by units and individual workers.

Social endowment insurance for urban residents is an endowment insurance system covering non-employees with urban household registration. Urban residence insurance has two outstanding characteristics: first, the source of funds for urban residence insurance is not only individual contributions, but also government subsidies for the insured. The more individual contributions, the more government subsidies, and all individual contributions and government subsidies are included in the insured's personal account. Second, the pension of urban residential insurance consists of two parts: personal account pension and basic pension. The level of personal account pension is determined by the amount of account storage, that is, the total amount of individual contributions and government subsidies; The basic pension is paid in full by the government.

The proportion of reimbursement for hospitalization is different, and the proportion of reimbursement for social security for urban workers is higher than that for urban residents.

When you retire, the amount you receive is different.

When receiving pensions in the future, employees will receive much more than residents, and there is still money in their personal accounts to withdraw.

What is a social security card? Social security card, also known as social security card, is an integrated circuit card issued by the national medical insurance department and the human society department, which can handle various businesses of medical insurance and human society.

It turns out that the social security card was issued in Shanghai on 1999, mainly as a certificate of medical insurance. From 65438 to 0998, the basic medical insurance for employees in China began to be implemented. The original social security card is an old-fashioned magnetic stripe card, which is not confidential and easy to copy.

Many people know that the social security card at that time didn't even have a password, and it was easy to be stolen if it was lost.

Since 20 1 1, the human and social departments and major banks have jointly issued the second generation social security cards with encryption chips. The second generation social security card is mainly issued by United Bank, which has the function of bank financial account and also records social security information. It can reduce the burden of government business card printing, and the corresponding security functions have also been greatly improved. On the one hand, there is a personal portrait on the social security card, which can be checked on the spot to see if it is me; On the other hand, you can set a password, which is a very important function.

As long as it is a social security card issued by a bank, it is the same whether it is a social security card for urban and rural residents or a social security card for urban employees. But the same card does not mean the same treatment.

Through the social security card connected with the social security system, you can enjoy medical insurance benefits according to the information recorded by the social security system. There is no personal account for the basic medical insurance for urban and rural residents, so it is still impossible to buy medicine with the personal account of medical insurance.

Urban and rural residents can enjoy many social services with social security cards, such as handling job registration and unemployment registration procedures, identifying employment difficulties, applying for employment training, logging on the website of social security departments to inquire about personal information, applying for labor ability appraisal, and even serving as identification materials for professional and technical examinations.

At present, the human and social departments are promoting and promoting electronic social security cards and non-contact third-generation entity social security cards. In the future, there will be more and more functions related to social security cards, and related services will become more and more convenient.

The shape, style and published information of social security cards are the same, and their uses and functions are basically the same, but their connotations and rights are completely different, and the differences are getting bigger and bigger.

In the past, the social security system was managed by different departments, but now it is gradually unified. After 2024, the old-age social security of government agencies and institutions will also be managed by the human and social departments, so all matters related to human and social security and medical care in China will be returned to the human and social departments and medical insurance departments. Therefore, when the third generation social security card is renewed, the shape of the card is the same. There is no difference in appearance, all social security cards are loaded with an embedded bank card number. At the same time, the medical insurance card and social security card are combined into one.

However, the unity of appearance and the consistency of published projects do not mean that their internal rights are the same. The main difference lies in the different payment methods and different groups of people, thus forming different rights of social security cards. oh

The object of social security for urban workers is people who have jobs and employment, including employees of government institutions, enterprise employees, flexible employees and individual industrial and commercial households. They paid five insurances and one gold (endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing provident fund), so the contents of social security cards issued are naturally different, that is to say, they can receive pensions after retirement, enjoy medical insurance reimbursement, enjoy unemployment benefits and unemployment insurance when they are unemployed, enjoy industrial injury insurance after work injury, enjoy maternity insurance when they have children, and apply for provident fund loans when they buy a house. It can be said that it covers all the rights of social security and medical insurance, covering the highest level of social security and medical insurance in China.

The social endowment insurance for urban and rural residents mainly covers the endowment insurance for urban and rural non-employees, that is,1urban and rural residents aged 6 and above, and now the new rural insurance is also included. But we can literally, only including the old-age insurance, not including medical insurance. In other words, compared with the social security of urban workers, the elderly can only receive pensions when they reach the statutory retirement age, and this is the only right.

Non-employed urban and rural residents, including farmers, must purchase medical insurance for urban residents separately if they want to be covered by medical insurance. Farmers buy new rural cooperative medical system. Only in this way can we get the second important right, that is, when we see a doctor in the future, we can get medical insurance reimbursement, otherwise we will see a doctor at our own expense.

Because the social endowment insurance for urban and rural residents is aimed at non-employees, there is no need for so-called unemployment insurance and work injury insurance, and maternity insurance is not included. It does not include housing provident fund, but the current housing provident fund system is also changing. Many places have accepted the urban residents' pension insurance groups, set up separate provident fund accounts and pay the provident fund separately, so they can also apply for provident fund loans in the future, and they are eligible to buy houses (the purchase restriction measures for cities with limited purchases).

Then in the social insurance for urban workers and social insurance for urban and rural residents, although they are all included, they can receive pensions when they reach the legal age. But the amount of this pension can be very different. According to the data of 20 18, the average social insurance pension for urban workers has reached the average monthly salary of 3 153 yuan. At this time, the average social insurance pension for urban and rural residents is only 152 yuan. The reason lies in the difference in payment between the two parties. The endowment insurance for urban workers shall be paid by units and individuals. The minimum annual payment should reach 1 10,000 yuan, and the high payment may reach nearly 50,000 yuan. The contribution of endowment insurance for urban and rural residents consists of individual contributions, government subsidies and collective subsidies, but the minimum contribution is only 100 yuan and the maximum is only 3000 yuan. Personal payment: currently, it is divided into 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2,000 yuan and 3,000 yuan each year. The annual government subsidy is the lowest in 40 yuan and the highest in 160 yuan. In this way, we can know that the annual payment varies greatly, and the treatment after natural retirement is also different.

Therefore, I would like to remind all urban and rural residents that the payment of old-age insurance: although the social security card is the same, the power and future amount are completely different. Remember to pay another medical insurance after paying the old-age insurance. If possible, open an account in the provident fund center and pay the housing provident fund separately. These are all tax-free before tax. In fact, if you have financial resources, it is cost-effective to pay in this way, and it also gives yourself a comprehensive future guarantee.

Hello, landlord, the medical insurance card of employee social security is different from that of resident social security. First of all, it can be clearly distinguished from the color. The medical insurance card of employee social security is blue, and the medical insurance card of resident social security is green.

Secondly, the employee social security medical insurance card will be refunded when it arrives. In other words, the balance in the employee social security medical insurance card can go to the pharmacy to buy medicine, or go to the clinic to see a doctor and directly brush the balance in the medical insurance card.

This resident social security medical insurance card has no balance. In other words, the medical insurance of residents' social security can only be used for reimbursement of serious illness, that is, your hospitalization reimbursement, and the reimbursement ratio is about 50%.

Therefore, there are essential differences between residents' social security and employees' social security.

Thanks for reading, please add my attention.

20 14 Before the promulgation of the State Council's Opinions on Establishing a Unified National Endowment Insurance System for Urban and Rural Residents on February 26th, the social security card for urban workers, the new rural cooperative medical system and the basic medical insurance for urban residents had their own characteristics. 20 12 urban workers began to use social security cards made by provincial human resources and social security departments; June 65438+1October 65438+June 2003, the General Office of the State Council issued the document "Opinions on Establishing a New Rural Cooperative Medical System" (Guo Ban Fa No.20033). Since 2003, rural villagers have started to use social security cards made by municipal, district and county health bureaus; In July 2007 10, the State Council issued the document "Guiding Opinions on Launching the Pilot Project of Basic Medical Insurance for Urban Residents" (Guo Fa No.200720). Since 2008, urban residents have started to use social security cards made by social security bureaus around the country. 2065438+On February 26th, 2004, after the State Council issued the Opinions on Establishing a Unified National Medical Insurance System for Urban and Rural Residents, the social security cards made by the provincial human resources and social security departments were used uniformly by urban and rural residents.

Urban workers and urban and rural residents use different social security cards at different stages, which also witnessed the process of China's social insurance from scratch and gradually achieving full coverage.

[Come and see me] Medical security is not much worse!

Usually, there is a certain proportion of reimbursement for medical treatment according to regulations, and residents' social security contributions are low. At the earliest, it was 50 a month, but now it should not exceed 100, which is much lower than the employee medical insurance payment. This link is cost-effective.

[Come and see me] Social security payment is very different!

The difference in the payment of endowment insurance is even greater. Residents' old-age insurance is only 2-3 thousand yuan a year, which is only enough for employees' old-age insurance to pay for 3-4 months. Other deficiencies are subsidized by the government. Of course, this subsidy amount is directly affected by the financial capacity of local governments. Where there is money, there are more subsidies, and where there is no money, there are fewer subsidies.

[Come and see me] Retirement benefits are very different!

Because the usual payment amount is different, there is a certain gap in the pension insurance money received after retirement. If you want more, you must pay more. Generally speaking, due to the state subsidy policy for residents' social security, the more you pay, the more state subsidies you get, which is much more cost-effective than employee social security. If there is no part paid by the enterprise, the employee social security can only drink the northwest wind [I want to be quiet].

The style of the card is the same, and the function of the card is basically the same. The difference is that the insured pays the fee and enjoys the treatment. Urban workers' social security contributions are paid according to the proportion of employees' own wages and incomes, which are divided into two parts: individuals and units, one part of which is credited to individual accounts and the other part is the overall fund; Social security contributions for urban and rural residents are paid according to several grades stipulated by the state, and individual contributions for the aged are credited to personal accounts. When urban workers reach the statutory retirement age, the treatment is calculated as basic pension plus personal account pension, and when urban residents reach the age of 60, the treatment is personal account pension plus state subsidies. The pension for urban workers is basically higher than that for residents. The proportion of medical insurance treatment and hospitalization reimbursement between them is different.

It is a kind of card, collectively referred to as social security card.

The urban social security card and the resident social security card are the same, but the payment and use methods are different.