Which is better, five insurances, one gold, first gear and second gear?

1, the payment ratio will be different. The first payment base is 60% of the local average wage, and the second payment base is 80%.

2. The second file will enjoy better social security benefits than the first file, such as a higher proportion of medical insurance reimbursement, a higher payment base, a higher personal account balance and higher interest income. Plus the basic pension, because the basic pension is calculated according to the average social wage plus the average payment index wage over the years, the higher the average payment base, the higher the average, the greater the proportion of the average social wage, and the more pensions you receive.