Is social security better in Guangzhou or Shenzhen? Which one should I buy?

Social security includes endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance.

In the long run, the essence of measuring social security contributions is to measure pensions and medical insurance benefits.

After all, maternity insurance, industrial injury insurance and unemployment insurance only played a small role at a certain stage. They belong to the category of "current payment and current enjoyment" and have no personal account (so there is no balance).

endowment insurance

Let's look at pensions first-the difference between Shenzhen and Guangzhou.

Guangzhou: As of July, 20021year, the number of people participating in the basic old-age insurance in the city was 9.9210.99 million, of which the number of people receiving pensions was/kloc-0 1.7896 million, and the monthly pension level of enterprise retirees reached 3,834 yuan (Guangzhou Daily).

Shenzhen: At the end of 20021,5 1.8 1 10,000 retirees participated in the basic old-age insurance for urban workers; In 202 1 year, the annual per capita basic pension for enterprise retirees in the city reached 3989 yuan. (202 1 Shenzhen social insurance information disclosure notice)

The difference between the two is nearly 100 yuan.

More interestingly, as of June, 2022, the minimum payment of Shenzhen Social Security Five Insurance was only 708.80 yuan, of which the individual payment was only 2 19. 12 yuan.

Guangzhou social security minimum payment 1640.27 yuan, of which individual payment is 506.78 yuan.

Even if it is paid according to the minimum base of first-class households in Shenzhen, the difference between them is about the social insurance premium in 400 yuan.

Let's take a look at the social security expenses in Shenzhen (June 8, 2022)

Social security expenses in Guangzhou

By the way, Shanghai Social Security and Beijing Social Security have the lowest social security expenses (company+individual), and they need to pay 1084.30 yuan and 985.35 yuan, which are 2-3 times that of Shenzhen respectively.

Looking at the four first-tier cities, Shenzhen is the city with the lowest payment, but it is a city with relatively more pensions. Therefore, many people pay social security in Shenzhen, and many enterprises are willing to put employee social security in Shenzhen. The reason is that they invest less and get more.

The data shows that in 20 19, the registered population in Shenzhen was less than 5 million, accounting for only 36.82% of the permanent population, and the phenomenon of population inversion was more serious;

The average age of permanent residents is only 33 years old, and the employed population accounts for more than 86% of the permanent population, which is between 56% and 60% in other first-tier cities. The age structure of Shenzhen is generally characterized by "low at both ends and high in the middle", so the burden of providing for the aged is not heavy.

Note that this value can only be used as a reference. But it provides a thinking angle. Let's take a look at the cost performance between Guangzhou and Shenzhen social security.

Summary: If you value the pension in Shenzhen, you should pay the social security in Shenzhen.

medical insurance

Let's first look at medical insurance-the difference between Shenzhen and Guangzhou.

Same: they all pay more, and they can enjoy life-long treatment after paying for 25 years.

Difference:

1 The charges are different.

According to the minimum payment base of 6757 yuan in Guangzhou, the personal medical insurance cost is 503.40 yuan.

Shenzhen needs to pay 557.76 yuan according to the minimum payment base of 6,972 yuan for the first file of Shenhu.

Two different compensation standards

Because Shenzhen social security is divided into deep households and non-deep households, not only Shenzhen and Guangzhou have differences in medical insurance reimbursement, but also there are great differences between different grades of Shenzhen social security.

However, in addition to the first-level social security, Shenzhen also has second-and third-level non-deep household social security.

Although they don't have a personal account and the reimbursement amount is not as high as that of the first grade, they are very cost-effective. And for young people, the number of illnesses is really not much.

Three different medical resources

As the capital of Guangdong Province and one of the three major medical centers in China, Guangzhou is rich in medical resources. Shenzhen is not comparable to this. At this point, Guangzhou medical insurance is more important for the elderly or the sick.

But now you can also see a doctor in a different place!

Summary: If you pay more attention to medical insurance and don't want to file in different places, you can pay Guangzhou Medical Insurance.

The qualifications for hooking are different:

In addition to the five insurances, social security is also linked to buying a house, shaking the number, and enrolling children.

If you buy Shenzhen social security, your qualification is Shenzhen's:

Buying a house: non-deep households have to pay social security or personal income tax in Shenzhen for nearly 5 years.

Buy a car: hold a valid residence permit, and have recently paid (excluding supplementary payment) basic medical insurance in this city for more than 24 months.

Children's schooling: both parents or one parent live in this city continuously 1 year, and participate in social insurance continuously 1 year. ......

or vice versa, Dallas to the auditorium

Summary: If you live in this city, you need these qualifications and pay the social security of this city.

Summary (the following is my personal opinion):

If you value pensions, Shenzhen Social Security √.

Want to pay less social security fees, Shenzhen social security √.

If you value medical resources and don't want to bother, Guangzhou Social Security √.

If you want to qualify for the city, the social security of the city √.

In the final analysis, it's still a comparison in all aspects, don't you think?

What if I don't want to pay social security when I leave my job?

If you change jobs carelessly, it will easily lead to the break of social security!

In case of illness/childbirth/unemployment/work injury/or need to apply for residence permit/public rental housing/lottery, social security can play an important role, but it must not be broken off.

How to ensure the continuity of social security if you leave your job, jump ship, or have no job and can't pay social security?

Insure through social security payment company. This insurance method is the same as employee social security, except that individuals need to bear part of several companies, plus uncertain platform service fees.

About simple social security

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For information about other cities' social security, provident fund ratio and expenses, please click official website-Social Security Calculator.