What are the advantages and disadvantages of paying social security in full at one's own expense?

Advantages and disadvantages of paying social security in full at one's own expense;

1, advantages

1) After paying social security, you can enjoy medical insurance and get a pension after retirement;

2) provide certain insurance coverage for life, and in case of an insurance accident, it can alleviate the economic pressure brought by the disease;

3) Paying social insurance premiums at one's own expense is high, and the medical treatment you enjoy and the pension you can get after retirement are also high.

2. Disadvantages

1) The full self-funded social security premium is high, generally 40% of the local average wage level;

2) Only 40% of the premiums paid by the full self-funded social security will enter the personal account, and most of the rest will enter the social pooling account;

3) If you die during the payment period, social security can only refund the balance of your personal account.

Paying social security in full at one's own expense has advantages and disadvantages. It would be better if you can participate in employee social security. If you don't work in an enterprise, you still have to buy social security at your own expense.

An article popularizes medical expenses related knowledge. In this article, we will discuss the advantages and disadvantages of basic medical insurance in detail.

Let's start with the legendary concept of "social security". Social security, that is, social insurance, is a social insurance fund established by the state through compulsory legislation, which is paid by employers and workers themselves, subsidized by the government finance, and provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons.

Social security includes "five insurances", including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. On weekdays, we use medical insurance the most frequently. At present, medical insurance can be divided into two categories according to the population:

One is the medical insurance for urban workers established by 1998. Urban workers refer to urban and rural residents' medical insurance with employers or flexible employees after the integration of 20 16 (there is no urban residents' medical insurance and the new rural cooperative medical system, because last year the State Council issued the "Opinions of the State Council on Integrating the Basic Medical Insurance System for Urban and Rural Residents", which integrated them into one). Urban and rural residents refer to minors and unemployed urban and rural residents. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Advantages of basic medical insurance: getting basic medical insurance at a lower cost. Take Tianjin as an example. Individuals can enjoy the basic medical insurance for urban workers by paying 2% of the previous year's payment base every month.

However, urban and rural residents can enjoy medical insurance for urban and rural residents by paying several hundred yuan a year. Excluding the limitation of deductible and maximum amount, the basic reimbursement rate for medical treatment is above 50%.

Therefore, basic medical insurance is the cheapest and can be guaranteed!

However, the basic medical insurance cannot be paid separately, and urban workers need to pay the other four insurances together, which is mandatory by the state!

2. High guarantee: guarantee renewal, even if you are sick (commercial insurance can't be compared, it was thrown out of our basic medical insurance).

Let's take a look at the shortcomings of medical insurance: the scope of medication and diagnosis and treatment is limited, which is limited in the national basic medical insurance catalogue, that is, medical insurance in some provinces does not cover the medical expenses of accidental injuries caused by medication, and the geographical scope is limited, which is limited to the social security payment place. The reimbursement procedures for medical treatment in different places are complicated, and there are restrictions on the maximum amount and reimbursement ratio. The restriction on seeing a doctor in a hospital should be based on the disadvantages of a designated medical insurance hospital, that is, the basic medical insurance can only be seen in a local designated medical insurance hospital, and the means of diagnosis and treatment, medicines and implanted devices must be within the scope of medical insurance. All expenses within the deductible line (deducted from the personal account), all expenses above the deductible line (deducted from the personal account) and all expenses above the maximum amount (this is paid by Grandpa Mao himself).

Friends with basic medical insurance feel that minor pains and ailments are basically free on weekdays. Well, this is only the case in most cases. But just making an imported steel nail for fracture and an imported targeted drug for cancer chemotherapy can cost tens of thousands of self-funded projects.

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