Take Shenzhen as an example.
Difference 1. The payment ratio is different. The payment ratio for the first level of medical insurance is 8.2%, the employer pays 6.2%, and the individual pays 2%. The payment base is the actual salary paid by the employee (the minimum is 4,488 yuan), and the total payment is 368 yuan; the payment ratio for the second level of medical insurance is 0.8%, and the unit pays 2%. 0.6%, and individuals pay 0.2%. The payment base is the average monthly salary of employees on the job in the previous year (now 7,480), and the total payment is 59.8 yuan;
Difference 2: Different applicable groups. The first level of medical insurance: It is compulsory for residents in Shenzhen to purchase the first level. Non-Shenzhen households can also purchase the first level, usually for well-known large listed companies; the second level of medical insurance: Generally, corporate-type units pay the second level of medical insurance, because Enterprises must also be profitable.
Difference 3. The principles of medical treatment are different. First-tier insured persons: seek medical treatment at any designated medical institution in the city; second-tier insured persons receive medical treatment at the bound social health center for outpatient services, inpatient medical treatment at any designated medical institution in the city, and for outpatient serious illness at prescribed medical institutions.
Difference 3: Hospitalization reimbursement is different. Level 1: 90% hospitalization report, need to be admitted to a designated hospital; Level 2: 90% hospitalization report, need to be admitted to a designated hospital;
/iknow-pic.cdn.bcebos.com/0dd7912397dda1447e8fd55ebfb7d0a20df4865c" target="_blank"title=""class="ikqb_img_alink">/iknow-pic.cdn.bcebos.com/0dd7912397dda1447e8fd55ebfb7d0a20df4865c?x-bce-process=image%2Fresize%2Cm_lfit%2Cw_600%2Ch_800%2Climit_1%2Fquality%2 Cq_85% 2Fformat%2Cf_auto"esrc="/2017-06/28/content_29913021.htm"target="_blank"title="China Daily Network - The difference between the first, second and third grades of Shenzhen medical insurance. If you don't understand these, you will suffer a big loss">China Daily Network - The differences between the first, second and third tiers of Shenzhen’s medical insurance. If you don’t understand these, you will suffer a big loss