What is the social security gold card like?

The difference between social security gold card and silver card is that gold card refers to the insured who participates in comprehensive medical insurance, while silver card refers to the insured who participates in basic medical insurance for hospitalization.

First, the nature of the insured units is different: municipal units use gold cards to participate in insurance; Urban units are insured with silver cards. Different payment bases: gold cards, units and individuals pay according to the average monthly salary of the insured in the previous year, and retirees pay according to the average salary of their own employees; Silver card, insurance by city? The average monthly salary of employees in the previous year is the base of payment, and retirees also pay according to this.

Second, the payment ratio is different: gold card: the insured pays 2% of his salary, the unit pays 7.5% of the insured's salary (6.5% is comprehensive medical insurance, 1% is supplementary medical insurance), the retiree pays 5.5%, and the individual does not pay; Silver card, the unit pays 2% of the average monthly salary of employees in Dongguan last year, and the individual does not pay.

Third, the maximum reimbursement limit is different: the silver card reimburses 40,000 yuan per year; The annual reimbursement rate of gold cards is 95% within 80,000 yuan, 85% above 80,000 yuan and below 654.38+ 10,000 yuan, and 70% above 654.38+ 10,000 yuan.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.