The difference between five insurances, one gold, one second, three gears and three gears.

The difference between five insurances, one gold, one second and three gears is as follows:

1, the principle of medical treatment is different: the first-class insured can only seek medical treatment at a certain point in the city, the second-class insured can seek medical treatment at a certain point in the city, the outpatient can seek medical treatment at a certain point in the city, and the outpatient can seek medical treatment at a designated medical institution, and the third-class insured can seek medical treatment at a designated medical institution.

2. General outpatient treatment is different: the personal account of the first-level insured can be used to pay the medical expenses within the scope of the general outpatient medical insurance catalogue, and the second-level and third-level insured can be used to pay the funds in the overall account according to the proportion of 80% and 60% respectively, which belongs to Class A and Class B medical insurance projects.

Specific payment of social security fees:

1. primary payment: the primary payment base is the average monthly salary of employees in the previous year, and the payment ratio is 8.2%, that is, 9 15. 10 yuan per month, of which the unit needs to pay 644.29 yuan and the individual needs to pay 270.8 1 yuan.

2. Second-grade payment: the second-grade payment base is the average monthly salary of employees in the previous year, and the payment ratio is 0.33%, that is, 585.62 yuan per month, of which the unit needs to pay 398.6 1 yuan, and the individual needs to pay1yuan.

3. Third-grade payment: the base of third-grade payment is the average monthly salary of employees in the previous year, and the payment ratio is 0.55%, that is, 566.92 yuan per month, of which the unit needs to pay 378.39 yuan and the individual needs to pay 188.53 yuan.

To sum up, five insurances and one fund refer to the payment system of social insurance and housing provident fund, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing provident fund. According to national regulations, the payment standard of five insurances and one gold may be different in different cities and regions. Generally speaking, the payment standard of five insurances and one gold is calculated according to a certain proportion of the employee's salary, and the employer and the employee each bear a part. In terms of policy interpretation, the implementation of the five insurance and one gold system aims to protect employees' social security rights, provide medical care, old-age care and unemployment protection, and help employees accumulate housing provident fund. It is very important for employees and employers to understand the payment standards and policy interpretation of five insurances and one gold, which is helpful to rationally plan personal financial and welfare benefits.

Legal basis:

People's Republic of China (PRC) insurance law

Article 169

In violation of the provisions of this law, any of the following acts shall be ordered by the insurance supervision and administration institution to make corrections within a time limit; Those who fail to make corrections within the time limit shall be fined 1 10,000 yuan or more110,000 yuan or less: those who fail to submit or save reports, statements, documents and materials in accordance with regulations, or provide relevant information and materials in accordance with regulations, fail to submit insurance clauses and insurance rates for the record, and fail to disclose information in accordance with regulations.