Which is more cost-effective between Class A and Class B in Suzhou Park?

Social insurance refers to the system that the state establishes a social insurance fund through legislation to give necessary material help to workers who participate in labor relations when they lose their ability to work or are unemployed. Social insurance is not for profit. Next, I will sort out the difference between the social security payment ratio of Suzhou Park and the new district, hoping to help you.

Park social security accumulation fund:

1. The social security of the park is divided into Class A and Class B. Class A itself includes individual housing accounts, and Class B housing accumulation fund is paid separately. Since the implementation of the park's new policy in July, 20 1 1, all those who have joined the social security are Class B. ..

2. Payment base:

(1) The lower limit is 2697 yuan/month; (2) The lower limit is 2697 yuan/month.

3. Payment proportion:

(1) Class A contribution rate is 46.5% (including 16% housing accumulation fund). Among them, the individual contribution ratio is 18.5% (including 8% housing provident fund), and the unit contribution ratio is 28% (including 8% housing provident fund).

(2) The contribution rate of Class B is 30.5%. Among them, the individual contribution ratio is 10.5%, and the unit contribution ratio is 20%. Class B is not mandatory to collect housing provident fund, and you can choose to pay or not pay, or you can choose to pay the proportion. Payment is divided into five grades: 16%-24%. Generally, the company pays the first gear (8% for the company and 8% for the individual).

4. Proportion of medical reimbursement:

(1) outpatient service: after the balance of the medical insurance account is used up, individuals can pay in cash within the limit of 600~3500 yuan, and 60% can be reimbursed.

(2) Hospitalization: 90% of expenses below 40,000 yuan, and 95% of expenses above 40,000 yuan, above the deductible line (first-class hospital 300 yuan, second-class hospital 500 yuan and third-class hospital 600 yuan).

(3) The deductible for the second hospitalization in that year is 50% of the deductible for the first hospitalization; Qifubiaozhun for the third and above hospitalization is 100 yuan.

Social security accumulation fund in the new district;

1. You can buy a house in Suzhou and enjoy the interest rate of provident fund loans, which is obviously more favorable than commercial loans.

2, urban areas (as well as Wuzhong, Xiangcheng, Wujiang) to participate in medical insurance personal account funds can be transferred to the Sunshine Fitness Card once a year, can be spent in all designated fitness places.

3. Proportion of medical reimbursement:

(1) outpatient service: after the balance of the medical insurance account is used up, individuals can pay in cash within the limit of 600~3500 yuan, and 60% can be reimbursed.

(2) Hospitalization: In the deductible line (300 yuan, township, 600 yuan, and 800 yuan), 90% is paid for over 40,000 yuan, and 95% is paid for over 40,000 yuan.

(3) The Qifubiaozhun for the second hospitalization in that year is 50% of that for the first hospitalization; Qifubiaozhun for the third and above hospitalization is 100 yuan. For those who have been hospitalized continuously for more than 180 days, hospitalization settlement shall be made once every 180 days, and the part exceeding 180 days shall be treated as re-hospitalization. Only when you retire can you enjoy a pension for life.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.