Is Shenzhen social security better to buy a file or a second file?

It is definitely more appropriate to hand in the first gear, taking Shenzhen as an example.

The social security we usually pay at work refers to medical care, pension, maternity, unemployment and work-related injuries. In Shenzhen, medical insurance is divided into first, second and third grades. The difference between first gear and second gear is that

1. Different payment standards

The first gear is based on the total monthly salary of employees, with the highest being 3 times of the average salary of employees in Shenzhen last year and the lowest being 0.6 times of the average salary of employees in Shenzhen last year. Among them, enterprises pay 6.2% or 5.2%, and individuals need to pay 2%.

The second file is based on the average salary of employees in Shenzhen last year, in which enterprises pay 0.6% and individuals need to pay 0.2%.

2. The first medical insurance account will have a balance, and the second file will have no personal account.

There are two accounts in medical insurance, one is personal account and the other is overall account. A medical insurance will have a personal account. If the money in the personal account is not used up, the family can be bound to the family. And if the personal account reaches a certain amount, you can swipe your card to the designated pharmacy to buy medicine. There is no personal account for the second-class medical insurance, so you can't go to the designated pharmacy to buy medicine by credit card, nor can you give it to your family.

3. Outpatient treatment is different

First, you can use the medical insurance card to see the outpatient service of any public hospital in Shenzhen. In addition, 70% of the drugs in the medical insurance catalogue are paid by personal accounts, 30% by medical insurance, and 90% by outpatient blood transfusion reimbursement.

Secondary medical insurance needs to be bound to a social health care, and you can only go to the bound social health care to see the clinic before you can pay. If you need to go to a hospital, you can only go to a big hospital in Shekang, and you need a referral form issued by Shekang to go to the outpatient department of the big hospital for reimbursement. Second-class medical insurance can only reimburse 80% of Class A drugs and 60% of Class B drugs, and outpatient blood transfusion can only be reimbursed 1000 yuan in a social security year.

Therefore, with the support of family conditions, I suggest you buy a medical insurance.