Shanghai comprehensive insurance and social security of my hukou location are paying the last can get double insurance benefits?

The difference between Shanghai comprehensive insurance and social security: comprehensive insurance unit contribution you enjoy the so-called foreign labor comprehensive insurance, is designed specifically for foreign workers a new insurance system. Compared with Shanghai urban social insurance, comprehensive insurance has its distinctive features. First of all, the two applicable objects are different. According to the regulations, domestic workers holding Shanghai Residence Permit who are introduced into Shanghai as talents can participate in the basic pension insurance of the city. All foreigners who meet the conditions of employment in the city and work or do business in the city but do not have permanent residence in the city should participate in the comprehensive insurance. Secondly, the main body of the two contributions are different. Shanghai municipal social insurance by the employer and the worker in accordance with the prescribed contribution base and contribution ratio *** together. Comprehensive insurance by the employer to pay the full amount, there are units of foreign personnel do not have to pay. For foreign workers, it is "unit contribution you enjoy". To bring more benefits to foreign personnel, which is one of the biggest features of comprehensive insurance. Third, the two insurance content is different. Shanghai urban social insurance, including pension insurance, medical insurance, unemployment insurance, maternity insurance, industrial injury insurance has not yet been implemented, the enterprise is responsible for. Comprehensive insurance includes work injury insurance, hospitalization medical treatment, old age allowance and other three treatments (foreign workers of foreign construction enterprises can enjoy work injury and hospitalization medical treatment during the period of participating in comprehensive insurance). If a foreign worker is injured at work or suffers from an occupational disease during the period of participation in the comprehensive insurance, he or she can receive a lump-sum payment for work-related injuries; if he or she is hospitalized due to illness or non-work-related injuries, the portion of hospitalization incurred above the starting standard shall be borne by the Comprehensive Insurance Fund at a rate of 80%, and he or she shall be responsible for 20% of the expenses; and a foreign worker who has paid contributions for a full year in a row can obtain a voucher for old-age subsidy, and a lump-sum payment will be cashed out for old-age subsidy in the year of retirement. The old-age subsidy will be realized in a lump sum in the year of retirement. The compensation amount is calculated in a more favorable way for foreign workers to enter Shanghai's labor market and make great contributions to Shanghai's development, but they are engaged in high-risk occupations, and thus receive very little compensation after work-related accidents. Although the Shanghai Municipality has introduced the "Regulations on the Treatment of Work-related Injuries of Shanghai Municipal Migrant Laborers" to provide protection for the work-related injuries of migrant workers, it is far from enough to compensate for the injuries formed by the workers as a result of work-related injuries. The comprehensive insurance scheme deals with this problem well. It is also stipulated in the Measures that, after the labor capacity appraisal of foreign workers and foreign workers without units who have suffered work-related injuries (or accidental injuries), they shall be entitled to work-related injuries (or accidental injuries) insurance treatment with reference to the work-related injuries treatment standard stipulated by Shanghai Municipality. The work injury (or accidental injury) insurance benefits are paid in a lump sum. However, the difference is that the work injury compensation is paid by commercial insurance companies. The amount paid by the insurance company is divided into four categories according to the level of disability and age at which the work injury occurred, including disability benefits, disability allowance, living care and medical expenses for recurrence of old injuries. It also specifies the amount of payment, such as a maximum of $446,000 for disability under 20 years of age. This way of calculating the amount of compensation is more favorable to migrant workers, because according to the State Council's Regulations on Workers' Compensation Insurance, the first-degree disability benefit is 24 months of one's own salary, and for migrant workers whose income is generally low, commercial insurance gives a higher standard of protection. Multi **** win the new model of social insurance It is understood that, in addition to Shanghai, at present, some other cities in China have also introduced a social security system for migrant workers. Their basic approach is to unify the social security system for migrant workers with the social security system for urban workers. However, Shanghai is different from them in that the operation of the social security system for migrant workers in Shanghai is undertaken by commercial insurance companies, and is clearly separated from the social security system for urban workers. The guiding principle of the Shanghai municipal government, which set up the insurance, is mainly to protect the legal rights and interests of foreign workers, rather than to solve other problems.

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