For freshers, five insurance is really important?

five insurance and a gold said a lot, but can say so, but not many people, after all, it is indeed also complex. If even five insurance and gold are not clear, then the money can be paid in vain; but if you can make good use of it, it is definitely a treasure, your social security card will be more than a bank card is also precious; because of this thing, will be accompanied by a lifetime of our life, in your life, sick hospitalization, work You will always need to use it at some point in your life when you are sick and hospitalized, working, getting married and having a baby, buying a house and car, or retiring. This article full text of more than fifteen thousand words, I spent half a month to organize their own past tens of thousands of endorsement of the content of the social security, as well as the collection of the Zhihu netizens most concerned about the issue of the creation. Among them will also have links to various sub-topics, are my past high praise content; to ensure that you collect an article, you can always view all the content of the social security. not only will there be social security benefits popularization, such as how much health insurance can be reimbursed, how the reimbursement process is, how much pension benefits; there will be an exclusive compilation of how to apply for medical treatment in a different place online, apply for residential medical insurance, apply for unemployment benefits, social security transfers, and other practical guide to make sure that you can be the fastest! The problem is solved. first collection point good, find a time to patiently read, your career will benefit for life. Specific catalogs are as follows, you can selectively view: a. What is social security? <ul><li>Employee social security </li></li><li>Resident social security </li>Second, social security to pay how much money? How to handle? <li> employee social security? </li><li> Resident Social Security? </li>Third, what does Medicare do? <li> What is the difference between employee health insurance and resident health insurance? </li><li>What expenses can be reimbursed by health insurance? </li><li>How much can Medicare reimburse? What is the process? </li><li> How to handle the procedure of medical treatment in other places? </li><li> How to apply for social security card, health insurance electronic voucher? </li><li> How to apply for newborn health insurance? </li><li>How can I get more reimbursement from my health insurance? </li> Fourth, what is the use of pension insurance? <li> How much pension can employee pension insurance have? </li><li> How much of a pension can a resident have? </li><li> Paying social security in multiple places, where do I receive my pension? </li>V. What is the use of maternity insurance? <li>How long does it take to pay? </li><li> What are the benefits? </li> VI. What is the use of workers' compensation insurance? <li> What are the circumstances of work-related injuries? </li><li> how much can be paid? </li> VII. What is the use of unemployment insurance? <li> How much unemployment benefit can I collect? </li><li> How do I apply for unemployment benefits? </li><li> How long can I receive it? </li><li> How can I defend my rights if I've been laid off in disguise? </li>Eight, what is the use of provident fund? <li> What are the uses of provident funds? </li><li> How much can I borrow from my provident fund? How much interest do I need? </li><li> Can I withdraw the full amount of my CPF? </li> IX. Frequently Asked Questions about Social Security <li> What should I do if my company refuses to pay for social security during the trial period? </li><li> How do freelancers pay for social security in the most cost-effective way? </li><li> What are the effects of a break in social security payments? </li><li> How to properly deal with social security after resigning? </li><li>What should I do if I change cities? </li><li>When I retire, what if I haven't paid enough years into social security? </li><li> Can I take money out of my social security card? </li><li> Can I pay for more than one copy of my health insurance or pension? </li> ten, written at the end a. What is social security? Our national social security has two systems, respectively: Employee social security: including employee pension insurance, employee medical insurance, unemployment insurance, maternity insurance, industrial injury insurance, which is oriented to the working class Resident social security: there are only two insurance, residential Pension insurance, residents of medical insurance, this is the face of no work unit of the crowd 1, the employee social security we are working children, often referred to as the "five insurance and one gold". And employee social security is the five insurance, as follows: </ul><img src="70030881508" /> and "a gold " is the Housing Provident Fund, which is actually not part of the social security, but is an important benefit that allows us to apply for a favorable mortgage, use it to buy a home, rent a home, etc. The labor law clearly stipulates that companies must pay social security for their employees. and provident fund was previously not mandatory to pay, but in the 2020 provident fund management regulations new rules, provident fund is also listed as mandatory to pay the scope. so after work, the company have to pay for us at the same time social security, provident fund! The cost of five insurance premiums every month to pay, we pay a small part of the employees, the company has to pay most of us. The specifics of how much to pay will be covered below. 2, residents of the social security Residents of the social security system is the face of the children, the elderly, full-time mothers, freelancers and other people who do not have a work unit, there are only two insurance: gt; residents health insurance: can reimburse the cost of medical expenses, including urban residents health insurance, new rural cooperative, but many areas have been unified to merge the two "urban and rural residents health insurance". Residents' pension insurance: at least 15 years of cumulative contributions to the designated age (generally 60 years old), you can receive a monthly pension. Compared to employee social security, the benefits of resident social security will be relatively poor; But it is not that the country is biased, the employee social security is a monthly payment, while the resident social security is a once a year payment, the cost is much less. Second, social security to pay how much money? How to handle? 1, employee social security go to work, the company will have to pay for us to pay for employee social security, do not have to worry about us for. Every month, individuals and companies have to pay a fee, each bearing a different percentage of contributions. Look at the paycheck, seems complicated? As long as you understand the contribution ratio, contribution base, this algorithm is simple. I take Shanghai as an example, 2020 five insurance and gold contribution ratio is as follows: <img src="70030882044" / &> If you make 10,000 yuan a month, the company pays the proportion of each month for you is 36%,*** counting 3600 yuan; and your personal contribution rate is 18.5%,*** counting 1850 yuan. That is to say, you can get eight thousand salary every month after tax, the company has to bear the cost of more than 13 thousand. visible, the company every month to bear the cost of social security is not low. So it is very common for companies to find ways to avoid social security, and it is less common for employees to ask not to ...... At this point, someone may want to raise their hands and ask: my pre-tax salary of 10,000, but the social security only paid a few hundred ah? Which have you said so high. This is because, in practice, many companies are not necessarily in accordance with our actual salary to pay social security. Each city has its own base for social security contributions, which comes from the average monthly salary of employees in the city for the previous year. Generally speaking, the contribution base is 60% to 300% of the average monthly salary of the previous year range, Shanghai 2020 contribution base is 4957 yuan -- 28017 yuan. as an example: if the city's average monthly salary of the previous year's employees is 3000, then the minimum contribution base is 3000 × 60% = 1800 yuan, the maximum base is 3000 × 300% = 9000 yuan; if your salary is $1,500, which is lower than the minimum base, then you pay social security at 1,800; if your salary is 10,000, then you pay social security at the maximum base of 9,000. If your salary is exactly between the contribution base, you have to use the actual salary as the contribution base. But some unscrupulous companies will pay the minimum contribution base for you when paying social security. you would have made 10,000 a month, but the company is 4957 base to pay social security; although you also have more salary in hand, but the company saves much more cost. This will seriously affect your medical, provident fund loans, how much pension after retirement and so on! so happen to be in this situation, do not think they earned, save your paycheck, direct 12333 report it. but the provident fund contribution ratio is between 5% - 12%, this is free to choose, depends on whether your company is generous, but most companies are to pay the minimum percentage, that can not be helped. 2, residents of the social security different from the employees of the social security, the residents of the social security only residents of the medical, residents of the old-age insurance, you only need to pay the cost of once a year. residents of medical insurance: generally in November-December each year to focus on the next year, pay the next year's fees, pay a year on the insurance year; the cost of different places, most of the 200 -- 300 yuan between. Specific policies, need to consult the local social security bureau shall prevail. Residents' pension insurance: the difference in contribution time is large, it is recommended to consult the local social security bureau shall prevail; the cost will be divided into a number of grades, we are free to choose, the more we pay the more we will receive. For example, Shenzhen last year, the payment rules are: <img src="70030882657" /> first time to participate in the first time, can only go to their own domicile social security office, or the street office to pay the department. but the second year of renewal is much more convenient, many cities support online renewal. In Shenzhen, for example, in your WeChat, open the payment → City Services? → Shenzhen social security services (login)? → Individual enrollment and payment can be done. Third, what is the role of medical insurance? in the social security, the role of the largest, most closely related to our lives is certainly the health insurance. a serious illness can make countless people lose their money, and health insurance guarantees us the most basic dignity of "medical treatment". Can't live without it, friends! 1, employee health insurance, resident health insurance, what is the difference? We go to the hospital, it is only outpatient or hospitalization costs, employee health insurance, residents health insurance are reimbursed. health insurance can only use one, we participate in one of them is enough. For example, you work in the field, the company paid the social security; the old home of the residents of the medical insurance (New Agricultural Cooperative Medical Insurance) can be stopped, anyway, can not be reused. Because of much more contributions, so compared to the residents of the health insurance, employee health insurance will also have three major advantages: ①If you meet the hospitalization and other huge expenses, the reimbursement ratio of the employee health insurance reimbursement, the reimbursement amount will be higher. ② Employee health insurance accumulated after paying a certain number of years, such as Shanghai paid 15 years, you can enjoy free after retirement. As for not paying enough years how to do, in the article in the ninth part of the point 6, there will be an answer. And the resident health insurance needs to be paid all the time, one year of payment for one year of coverage. <img src="70030883450" /> ③ employee health insurance will have a personal account, for example, you are working in Shanghai, a monthly salary of 10,000, every month to pay: company: 10,000 × 9.5% = 950 yuan → co-ordinated account Personal: 10,000 × 2% = 200 yuan → personal account co-ordinated account of the money is at the disposal of the state, which allows us to be reimbursed for hospitalization and other large expenses; and the personal account of the money at their disposal. You can swipe the money from your social security card when you go to the clinic or buy medicine. and residents of health insurance, personal account has been gradually canceled. 2, health insurance can be reimbursed for what expenses? Although all can reimburse medical expenses, but spent 10,000 yuan, some people can reimburse several thousand, some people can not be reported! Why is this? To be able to help us reimbursement of health insurance, it has to meet two conditions: the three directory costs, designated hospitals. ① The three major catalogs of health insurance Only in the health insurance catalog costs, can be reimbursed: <img src=" 70030883838" />&As you can see, the health insurance mainly reimburses the cost of medicines, diagnosis and treatment, and service facilities within the three major catalogs. However, for the medical insurance catalog we should also pay attention to three points: <ul><li> only 100% reimbursement of Class A drugs: Class B drugs only part of the reimbursement of the reimbursement of the reimbursement of the different classes of Class B drugs are not the same rate of reimbursement, such as the report of the 90%, that the remaining 10 % to their own The other 10 % will have to be paid out of their own pockets. The drugs outside the catalog, commonly known as "Class C drugs", need to pay for all of them. The special diagnostic and treatment items are not reported: medical checkups, orthodontics, and other diagnostic and treatment costs are not covered by the reimbursement. The only thing that is not reimbursed is the normal bed charge: if you are staying in a VIP ward or special needs department, this part of the bed charge is not reimbursed. </li> So understand, some people even if you spend hundreds of thousands of dollars, the health insurance is not reimbursed much, because most of the costs are not in the health insurance catalog. Here to share with you, how to query the health insurance catalog drugs are. in WeChat, open the payment → city services → five insurance and one gold (health insurance) → health insurance drug directory query you can self-check: ② fixed-point hospitals To get reimbursed for the cost, in addition to have to be in the health insurance directory, we have to go to the fixed-point hospital, The actual drugstore. Otherwise, we all flock to the big hospitals, this problem is also very difficult to solve. how to check which fixed-point hospitals, pharmacies, is also very simple, or open your WeChat, payment → city services → health insurance → health insurance electronic vouchers → support for hospitals/pharmacies: <img src=" 70030884552" />Please click to enter a picture description3. What is the reimbursement process for health insurance? The problem is very simple, but too many friends tangled: health insurance is how to reimbursement? Every time I swipe my health insurance card money, where is the reimbursement ah? In fact, we don't even have to think about this problem, every time you go to the hospital to register, buy medicine, etc. bring your health insurance card on the line. since the brush of your health insurance card, the hospital will be connected to the health insurance system, can be reported will automatically go through the reimbursement process, the final checkout is already settled, can not be reported to you to worry about the useless. health insurance reimbursement can actually be divided into three parts: outpatient, hospitalization, secondary reimbursement for major diseases. I take Tianjin's employee health insurance as an example, one by one to analyze how these three parts of the cost of reimbursement: ① Employee health insurance, outpatient can be reported how much money? first look at the outpatient clinic, weekday colds and fevers, small illnesses, we can solve the problem in the outpatient clinic. However, there is often a starting line, for example, Tianjin's is 800, as long as more than to be reimbursed, up to 7,500 a year. For example, the old king of the first-class hospital outpatient visit, spent 1,000 yuan. Then he can be reimbursed: (1000-800) × 75% = 150 yuan. For the rest, Lao Wang can only pay out-of-pocket, or swipe his health insurance card money. <img src="70030884905" />Please click to enter a description of the image The general outpatient clinic does not cost much. However, in the case of kidney dialysis, diabetes and other special outpatient care that requires long-term outpatient treatment, this part of the cost will be more expensive, so the reimbursement rate of health insurance tends to be higher as well: <img src="70030885207" />& lt;p class="ikqb_image_caption">Please click to enter image description②How much can I claim for hospitalization? such as when sick and hospitalized, health insurance at this time will show a big role, up to 450,000 a year can be reimbursed! <img src="70030885382" />Click to enter a description of the image As an example, or Lao Wang, he fell ill and was hospitalized in a tertiary care hospital, a **** spent 300,000, of which, 220,000 belongs to the costs within the medical insurance, can be reimbursed through the medical insurance. The reimbursement process is as follows: 1,700 yuan - 120,000 portion: (120,000 - 1,700) * 85% = 100,500 120,000 - 450,000 portion: (22 - 12) * 80% = 80,000 . gt; then the old king a *** reimbursement: 10.05 + 8 = 180,500,000, Since the cost of medical insurance a *** for 220,000, reimbursement after the old king still have to pay 39,500,000, the old king is the first to pay the cost of medical insurance, the old king is the first to pay the cost of medical insurance, the old king is the second to pay the cost of medical insurance. ③ second reimbursement for major illnesses this second reimbursement for major illnesses, the purpose is to further reduce the burden of our people. As long as the cost to a certain amount, hospitalization reimbursement, but also continue to be reimbursed. <img src="70030885539" />Click to enter a description of the image Above that, the old king hospitalized A **** cost $300,000, he paid $39,500, which is over the $20,000 threshold to go into secondary reimbursement. 2 - 100,000 part: (3.95 - 2.1202) * 60% = 11,000 after the second reimbursement of the big disease insurance, the old king is a *** can be reimbursed: 18.05 + 1.1 = 19.15 million. health insurance reimbursement costs to reach the total cost of 63%, the reimbursement situation is not bad. Therefore, if you are a working family, it is recommended that you must pay for employee health insurance. The health insurance reimbursement rate, amount, and secondary reimbursement rules are also different in each major city. I have also interpreted the health insurance policies of many cities, click to read: Beijing, Shanghai, Guangzhou, Shenzhen, Foshan, Tianjin, Suzhou, Chongqing, Changsha, Hangzhou, Wuhan, Chengdu, Zhengzhou. 4, how to apply for foreign medical procedures? medical insurance is not universal, if you pay medical insurance in Guangzhou, but in Beijing to see a doctor, then you have to go through the procedures in advance of the foreign medical procedures. Otherwise, your health insurance reimbursement rate will be significantly reduced, or even reimbursement. This is mainly divided into three cases, you can be right, let's analyze one by one: <ul><li> Temporary medical treatment: short-term tourism or business trips, a sudden illness requires urgent medical attention. </li><li> off-site referrals: if you have a serious illness and the local medical conditions are limited, then you need to be referred to a major hospital outside the country. </li><li> Long-term residence outside the country: some elderly people will go to the city where their children work to bring up their grandchildren after retirement. Others are sent by their organizations to live permanently abroad due to their work. </li> ①Temporary medical care I consulted with the social security bureau of many places, and most of the areas are reimbursable. Just keep the invoices and documents and go back to the place where you are insured to go to the health insurance bureau for reimbursement. However, some cities will be a little more stringent, the emergency room also requires temporary telephone record, we have to pay a little attention. ② foreign referral If the local hospital can not, want to go to a better hospital in the field, it is necessary to apply for foreign referral. The key to this situation is to get a referral certificate issued by the attending physician, not you want to transfer on the transfer. If the local can be treated, simply for better medical conditions, the general hospital will not be issued, otherwise we all run to the big city for medical treatment, undoubtedly exacerbate the contradiction between the supply and demand of medical resources. No proof of referral, the reimbursement rate will drop a lot, and even can not be reimbursed! ③ long residence in the field this situation is the most common, but also the most simple, we handle in advance for the record of the medical treatment of the different places on the line. Medical Insurance Bureau this year launched a small program for the record of medical treatment in a different place, in the WeChat can handle the record of medical treatment in a different place, but at present only part of the city. If your location does not support, then you need to bring the information back to your hometown health insurance bureau to apply for. Step 1: In WeChat search for "National Record for medical treatment in a different place" In WeChat small program search for " National Record for medical treatment in a different place ", you can see that. Then enter. Step 2: After entering the small program, click on the fast record. The first time you use it, you have to carry out real-name authentication and face recognition, and you only need to authenticate 1 time, and you can apply for the record after successful authentication. </ul><img src="70030885972" />Please click to enter the description of the image<p& gt;Choose to record, according to the actual situation of the individual to choose the type of record, truthfully fill out each record application information, information to confirm that there is no error, you can submit. In addition to their own record, you can also give others for the record. When filing for someone else, you also need to perform face recognition or upload the filer's ID card. Step 3: In the small program at the bottom of the menu bar filing status, you can query the status of the filing application submitted successfully. In general, two working days to complete the audit. Only after ensuring the success of the record, the medical insurance can be used in the foreign medical treatment to see the normal settlement. but also to remind everyone to pay attention to two points: record before: make sure not to choose the wrong place to participate in the insurance, in case of operation error, may affect their existing health insurance treatment. after the record: temporarily does not support the online cancellation of the record, if you need to cancel, in accordance with the relevant provisions of the participating places to cancel, you can call the social security bureau of the participating areas of the phone 12333 for advice. It should be noted that, for most areas, the health insurance record is valid for a long time; if you want to go back to your hometown to use, you generally need to revoke the record. Due to the differences in policies around the world, it is best to find out from the Social Security Administration before you go back to your hometown to see a doctor, so as not to affect your reimbursement benefits. More about how exactly to reimburse for medical treatment in a different place, you can click to view the article "Medicare reimbursement strategy in a different place". 5, how to apply for social security cards, health insurance electronic vouchers? ① social security card Now all the functions of health insurance, pension, work injury, etc., basically should be integrated into a social security card. participate in the employee social security, the company personnel will help us to do, do not have to worry about; or they can also go to the bank to apply, very convenient. ② electronic social security card, health insurance electronic vouchers in the hospital often queuing up to be a couple of hours, the turn of their own, found that I forgot to bring the health insurance card, really want to cry. Don't panic, in the cell phone to receive an electronic social security card, or health insurance electronic voucher on the line! in Alipay → Citizen Center → electronic social security card (local popular) can be done, go to the doctor to buy medicine do not need physical health insurance card (may individual hospitals do not support). <img src="70030886417" />Click to enter a description of the image ;Please click to enter a description of the image <img src="70030886608" />Please click to enter image descriptionThe function of the electronic social security card is to include health insurance, pension insurance and other business, you have to have a physical social security card before you can open. and health insurance electronic vouchers, is to participate in the health insurance can be opened; and can also query the designated hospitals or pharmacies, health insurance directory of drugs, very convenient. </ul>