What is the difference between a three-insurance medical insurance card and a five-insurance medical insurance card? Why can't the Sanbao medical insurance card be used in the hospital?

Five insurances and one gold refer to several kinds of security benefits provided by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. Among them, old-age insurance, medical insurance and unemployment insurance are premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay them.

Three insurances and one gold, three insurances refer to: basic old-age insurance, medical insurance and unemployment insurance; One gold refers to: housing accumulation fund. According to the national regulations, "three insurances and one gold" are paid by employers and individuals, turned over regularly, deposited in insurance accounts or provident fund accounts opened by individuals, and managed by relevant social functional departments.

The difference between three insurances and five insurances: the former pays medical insurance according to the proportion of 7%, and the payment base for 20 12 years is 1949 yuan; The latter pays medical insurance according to the proportion of 14%, and the payment base for 20 12 years is between 2599~ 12993 yuan. Therefore, the former has less medical insurance benefits than the latter: outpatient emergency reimbursement, outpatient serious illness and family bed treatment. In addition, the money in personal accounts is different: the former is currently replenished to 30 yuan every month; The latter is included in the overall fund (under 34 years old, 140 yuan; 35~44 years old, 280 yuan; Employees over 45 years old, 420 yuan).

Foreign employees, whether paying three insurances or five insurances, all receive medical insurance cards, except that the former is issued to individuals by the medical insurance center through the unit, and the latter is applied by individuals. The social security card is aimed at the household registration personnel in this city. At present, social security cards are mainly used as medical insurance cards.

Working in the unit, paying the provident fund has nothing to do with the employee's household registration and education. Foreign employees, whether urban or rural household registration, the payment standard is consistent with the calculation caliber of urban household registration workers in this city. In fact, many people think that social security is the most useful only for the aged and medical care. In fact, unemployment, work injury and maternity insurance are equally important and must not be ignored.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.