The difference between social security gold card and silver card

First, the insured units are different:

Municipal units are insured with gold cards, and township units are insured with silver cards. This is also because employees of municipal units must participate in comprehensive basic medical insurance, while employees of township units need to participate in basic medical insurance when they are hospitalized.

Second, the scope of overall planning.

Among them, the "silver card" includes hospitalization and outpatient co-ordination, which realizes the basic medical security for most people with low payment standards. The original "gold card" includes hospitalization pooling and personal accounts, that is, the hospitalization expenses of the insured person of the "gold card" can be reimbursed, but the outpatient expenses for minor illnesses should be borne by themselves. Although enjoying hospitalization supplementary medical insurance, the payment standard is nearly 7 times higher than that of "silver card".

Third, medical treatment is different.

Gold card holders enjoy a higher standard of medical treatment, but the cost is higher, which is not conducive to the greater effectiveness of the medical insurance fund. Silver card can be reimbursed up to 40,000 yuan per year. Gold cards can be reimbursed up to 80,000 yuan per year, of which 95% are reimbursed within 80,000 yuan; The reimbursement rate of more than 80,000 yuan and less than 6,543,800 yuan is 85%; 65,438+70% of the reimbursement rate of more than 10,000 yuan. ,

Fourth, the payment ratio is different:

The payment ratio of the gold card, in which the insured pays 2% of his salary and the unit pays 7.5% of the insured's salary; In the case of a silver card, the insured person does not need to pay, and the unit will pay 2% of the insured person's salary.

Extended data

The new medical insurance policy cancels the difference between "gold card" and "silver card".

1 October 65438-1October1,Dongguan officially implemented the new medical insurance policy, which abolished the difference between "gold card" and "silver card" and was composed of basic insurance, supplementary insurance and critical illness insurance, realizing the fairness of the system.

The "basic insurance" comes from the previous "silver card" treatment, and the insured person can be reimbursed for hospitalization and outpatient treatment. As long as the relevant regulations are met, hospitalization and outpatient treatment can be reimbursed, of which outpatient treatment can be reimbursed for 70% of the basic medical expenses, and the number of times is not limited.

Hospitalization can enjoy the highest reimbursement rate of 95% and the highest reimbursement amount of 200,000.

"Supplementary insurance" includes the difference in treatment between "gold card" and "silver card" in the past. On the basis of basic insurance, it is an insurance for people with high medical security needs. This part of the insurance will break the company's participation restrictions, and employers can choose voluntarily according to their ability to pay, but it is not compulsory.

"Serious illness insurance" is the biggest benefit of this reform. More than 6 million participants in the basic medical insurance have increased the medical insurance for critical illness without increasing the burden of payment, bringing the maximum reimbursement amount of 300,000 yuan per year to the insured, bringing the maximum reimbursement amount to 500,000 yuan.