1, contribution grade
In accordance with our country's average social index to judge, the lowest social security contribution unit need to pay 40%, the first is 60%, the second is 80%, the third is the most, you need to pay 100%, the higher the higher, the higher the contribution is expected to pay 100%. The higher the contribution level the higher the amount of expected pension later, mainly depends on your current economic situation to choose the social security contribution level.2, outpatient
Basic medical third grade, basic medical second grade annual outpatient costs of 1,000 yuan, but must be in the bound social health hospitals to enjoy, the basic medical first grade in all hospitals can see the outpatient clinic, but are using their own personal account money, when the personal account is no money, you need to pay cash; and basic medical second grade and third grade each year, you need to pay cash; and the basic medical second grade and third grade each year, you can see the outpatient clinic. Medical second and third gear can be reported annually 1000 yuan, this money is the use of the money of the integrated fund, while the basic medical first class outpatient money is their own money, only to the money of the integrated fund is the real meaning of reimbursement. The basic medical first class has the following three main advantages, first, continuous enrollment in the basic medical first class for more than 12 months, and in a medical year outpatient out-of-pocket expenses more than 3131 yuan, more than part of the reimbursement can be 70%, the second, in all the social hospitals can be reimbursed for outpatient clinics 30%, the third outpatient clinic to do large-scale equipment examination, can be reimbursed 80%, the reimbursement are all the money of the integrated fund. This reimbursement is all with the money of the coordinated fund, other than that it is all with the money of your own account.3, hospitalization
The treatment of the basic medical first class, the basic medical second class is the same, a unified report 90%. For example, in Shenzhen, all designated hospitals can directly handle hospitalization, the reimbursement rate are 90%.The reimbursement rate for basic medical third class hospitalization depends on the different levels of hospitals, in the first class hospitals can be reimbursed 85%, second class hospitals reimbursement of 80%, third class hospitals reimbursement of 75%, and the third class of the participant for hospitalization to the bound social hospitals for medical treatment, can not be directly to the other hospitals for hospitalization, through the bound hospitals to open the referral order, can only go to the bound hospitals of the previous hospitals to see a doctor.
The main difference between social insurance and commercial insurance
1, the implementation of different purposes
Social insurance is to provide members of the community with the necessary basic security, not for profit; commercial insurance is the commercial operation of the insurance company to profit for the purpose;1, the implementation of different purposes
Social insurance is to provide members of the community with basic security, not for profit; commercial insurance is the commercial operation of the insurance company to profit for the purpose;< /p>2, the implementation of different
Social insurance is mandatory according to national legislation, commercial insurance is to follow the principle of "freedom of contract", by the enterprise and the individual voluntarily insured3, the implementation of the main body and the object of different
3, the implementation of the subject and object of different
Social insurance by the state set up a specialized agency for the fund-raising, management and issuance of funds, the object of the legal scope of the members of the community; commercial insurance is the insurance company to operate and manage the insured can be eligible for coverage of any person;4, the level of protection is different
Social insurance for the Social insurance for the insured to provide protection is the most basic, its level is higher than the social poverty line, less than 50% of the average social wage, the degree of protection is low; commercial insurance to provide the level of protection depends entirely on the agreement of the parties to the insurance and the amount of premiums paid by the policyholder, as long as they meet the conditions of the insurance and a certain amount of ability to pay the premiums, the insured person can obtain a high level of protection.The relevant legal provisions on social insurance
Article 64 of the Social Insurance Law of the People's Republic of China stipulates that the social insurance fund includes the basic pension insurance fund, the basic medical insurance fund, the industrial injury insurance fund, the unemployment insurance fund and the maternity insurance fund. Each social insurance fund maintains separate accounts according to the type of social insurance, and accounts are kept in separate accounts, implementing the State's unified accounting system. Social insurance funds are earmarked for specific purposes, and may not be appropriated or misappropriated by any organization or individual. The basic pension insurance fund to gradually implement the national coordination, other social insurance funds to gradually implement the provincial coordination, the specific time and steps by the State Council. The above is for you to organize the social security of the first two third gear difference in which the relevant content, the social security of the lowest gear contribution of 40%, 60% of the first gear, 80% of the second gear, the third gear for 100%, you can according to their own actual situation and the amount of expected pensions to choose the contribution gear. The difference between the social security grade is mainly reflected in the outpatient and hospitalization reimbursement costs.