The difference between the first and second levels of medical insurance

The difference between the first and second social security files is that the payment is different from the personal account.

1, remote payment

The first payment base is the total monthly salary of employees, and the payment ratio is 8.2%, of which the company pays 6.2% and the individual pays 2%. The second payment base is the average monthly salary of employees in Shenzhen last year, and the payment ratio is 0.8%, of which the company pays 0.6% and the individual pays 0.2%.

The base of the third-grade payment is the average monthly salary of employees in Shenzhen last year, and the payment ratio is 0.55%, of which the company pays 0.45% and the individual pays 0. 1%.

2. Personal accounts are different

Only the first gear has a personal account, and the second and third gears don't. After the balance of the social security account meets the payment conditions, the first-level insured can go to the designated medical insurance pharmacy to buy medicine.

You can also use your personal account to carry out health check-ups and vaccinations for yourself, your spouse and immediate family members. However, the second and third insured persons can't go to the designated pharmacy for medical insurance to buy medicine, and social security can't be used by their families.

The role of social security

Social security plays a very important role and can be used in daily life: old-age insurance: after reaching retirement age, you can receive a monthly pension. Medical insurance: it will take effect after three months, and those who are hospitalized can be reimbursed. Maternity insurance: After the unit pays the fee for one year, the child will basically not spend his own money.

Unemployment insurance: if you can't find a job temporarily after paying for more than one year, you can get some unemployment benefits to avoid being hungry. Work-related injury insurance: once a work-related injury occurs, the treatment expenses will be paid by the work-related injury fund, and the unit does not need to bear it.

Social security is to calculate the cumulative number of years, and it can be interrupted halfway. If you resign, you can turn social security into personal payment and pay it as a flexible employee. Or wait for a new unit and let the new unit continue to pay wages.