Grade difference of medical insurance in Shenzhen

The differences in medical insurance grades in Shenzhen are as follows:

1, first-class medical insurance

The total monthly salary of employees is the base of payment, which is up to three times the average monthly salary of employees in Shenzhen last year. The unit pays 6.2% and the individual pays 2%. The archives of the insured person seeking medical treatment in any designated medical institution in this Municipality;

2. Secondary medical insurance

The payment base is the average monthly salary of employees in Shenzhen last year, and the payment ratio is 0.8%, of which the unit pays 0.6% and the individual pays 0.2%. The second-level insured person goes to the binding social health center for medical treatment, is hospitalized in any designated medical institution in the city, and is seriously ill and goes to the prescribed medical institution for medical treatment;

3. Tertiary medical insurance

The payment base is also the average monthly salary of employees in Shenzhen last year, and the payment ratio is 0.55%, of which the unit pays 0.45% and the individual pays 0. 1%. The third-level insured person goes to the binding social health center for medical treatment, and the hospitalized and outpatient patients go to the prescribed medical institutions for medical treatment.

How to choose the medical insurance grade in Shenzhen is as follows:

1. If there is a unit payment, the deep household insured can only choose the first file of basic medical insurance. If it is an individual payment, he can choose first or second gear;

2, non-deep households can choose any kind of medical grade, of course, it is best not to choose the third gear;

3. Children's medical insurance and college students' medical insurance participate in the second grade of basic medical insurance;

4. Whether it is a deep household or a non-deep household, as long as you choose the first file or the second file, it is mandatory to pay maternity insurance, and the third file does not include maternity insurance.

To sum up, the difference in medical insurance grades in Shenzhen is that the payment base of first-class medical insurance is the total monthly salary of employees, and the payment base of second-class and third-class medical insurance is the average monthly salary of employees in Shenzhen last year.

Legal basis:

Article 12 of the Social Insurance Law of People's Republic of China (PRC)

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.