What is the difference between the company paid medical insurance and their own payment

The main difference between the company's medical insurance and the one paid by yourself is as follows:

1, different types of insurance, which is the most obvious difference between personal payment and unit payment. Individuals paying social security can only participate in the pension insurance, medical insurance two kinds of insurance; unit to pay the employee social security, including pension insurance, medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, which is the five basic types of insurance. This shows that the unit to pay social security can provide more protection.

2, the amount of contribution is different, the individual to pay social security, the general payment rate of 20%, and then also refer to the local average wage and social security departments to provide the contribution level. The lowest grade is 60% and the highest grade is 300%. The unit to pay social security, the contribution ratio by the company to pay part of the individual part of the pension insurance is the unit each month for you to pay 20%, you pay 8%; medical insurance is the unit each month for you to pay 9%, you pay 2%, plus 10 dollars of the big disease co-ordination.

3, the insurance place is different, their own social security, can be flexible employment personnel status to participate in urban and rural residents insurance or new rural insurance and new rural cooperative, but must be to the domicile of the location of the payment and retirement; unit payment of social security must be paid in the unit location, and the location of the employee's account has nothing to do with the location of the household registration, but after the retirement according to the location of the account of the policy of the retirement formalities.

4, the pension treatment is different, the unit employees pay wages are generally higher, and individuals pay social security are by high school low three gears, the highest is only the average social wage, so the contribution base is low, so the treatment is also lower. However, China's pension treatment has always been more pay more, individuals pay social security if you want to receive more pension, you have to pay more.

Legal basis: "Chinese people*** and the State Social Insurance Law" Article 23

Workers should participate in the basic medical insurance for employees, by the employer and employees in accordance with the state regulations*** with the payment of the basic medical insurance premiums

No employer's self-employed industrial and commercial enterprises, did not participate in the basic medical insurance for employees in the employer's unit. Individual businessmen without employees, part-time employees who do not participate in the basic medical insurance of employees in the employing organization and other flexibly employed persons may participate in the basic medical insurance of employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.