The first is a good idea, but the second is better?

It is definitely more appropriate to pay the first class, take Shenzhen as an example

We usually work to pay the social security, refers to the medical, old age, maternity, unemployment and work injury, and in Shenzhen, medical insurance is divided into first class, second class and third class. The difference between the first and second class is

1. The different standard of contribution

The first class is the employee's monthly gross salary as the contribution base, the highest for the last year in Shenzhen in the post of the average wage of the staff of three times, the lowest for the last year in Shenzhen in the post of the average wage of the staff of 0.6 times. Among them, the enterprise contributes 6.2% or 5.2%, and the individual needs to contribute 2%.

The second grade is based on the average salary of the employees in Shenzhen in the previous year, of which enterprises contribute 0.6% and individuals need to contribute 0.2%

2. The first grade of the health insurance account will have a balance, and the second grade does not have a personal account

The health insurance has two accounts, one for the personal account and the other for the integrated account. There is a personal account for the first class, and if you can't use up the money in the personal account, you can let your family members bind it to your family members. Moreover, when the personal account reaches a certain amount, you can go to a designated pharmacy to buy medicine by credit card. The second-grade medical insurance does not have a personal account, can not go to the designated pharmacy card to buy drugs, and can not be used for family members.

3. Outpatient treatment is different

The first class can use the health insurance card to swipe the card to see the outpatient clinic of any public hospital in Shenzhen. And in the medical insurance catalog of drugs, by the individual account to pay 70%, the medical insurance co-ordination to pay 30%, outpatient blood transfusion reimbursement of 90%

And the second class of medical insurance, you need to bind a social welfare, and can only go to the binding of this social welfare to see the outpatient reimbursement, if you need to go to the hospital, can only go to the binding of the social welfare of the hospital's hospitals on the hospitals and also need to be issued by the social welfare of the referral order, can go to the hospital outpatient reimbursement. If you need to go to the hospital, you can only go to the affiliated hospital of the hospital bound to the social welfare, and you also need a referral order issued by the social welfare, so that you can go to the outpatient clinic of the big hospital for reimbursement.

So, in the case of the family's condition, it is recommended to buy a first-class medical insurance is more appropriate.