1. The first-level expenses of Shenzhen social security insurance: the first-level payment base is the total salary of last month, and the payment ratio is 8.2%, 9 15. 10 yuan per month, 64.29 yuan per month for enterprises and 270.438+0 yuan per month for individuals;
2. Second-grade expenses of social insurance in Shenzhen: the base of second-grade payment is the average monthly salary of employees in the previous year, and the payment ratio is 0.8%. 585.62 yuan per month, enterprise 389.6 1 yuan, individual 196438+0 yuan;
3. Third-grade expenses of social insurance in Shenzhen: the base of third-grade payment is the average monthly salary of employees in the previous year, and the payment ratio is 0.55%. 56.92 yuan per month, 378.39 yuan per month for enterprises and 88.53 yuan per month for individuals.
The differences between the first, second and third grades of social security in Shenzhen are as follows:
1, the treatment principle is different. First-class insured: any designated medical institution in this city for medical treatment. Second-class insured persons: outpatients seek medical treatment in the binding community health center, inpatient departments seek medical treatment in any designated medical institutions in the city, and outpatients seek medical treatment in designated medical institutions for serious illness. Third-level insured persons: outpatients seek medical treatment in the binding social health center, and inpatients and outpatients seek medical treatment in prescribed medical institutions for serious illness.
2, the general outpatient treatment is different. A type of insurance: personal account is used to pay the medical expenses within the scope of the insured's general outpatient medical insurance catalogue. Community health center basic medical expenses personal account to pay 70%, the overall fund to pay 30% in accordance with the provisions. Second-level insured/third-level insured: drugs belonging to Class A and Class B are paid by the community outpatient co-ordination fund according to the proportion of 80% and 60% respectively; 90% of the single diagnosis and treatment or medical materials belonging to the medical insurance catalogue shall be paid by the community outpatient co-ordination fund, but the maximum payment amount shall not exceed 120 yuan; The total outpatient medical expenses paid by the community outpatient co-ordination fund to each second-grade and third-grade insured within a medical insurance year shall not exceed 1000 yuan.
Personal accounts are different for families. A class of insured persons: the accumulated amount of personal accounts exceeds 5% of the average salary of employees in this city in the previous year, and the excess can be purchased in designated pharmacies of over-the-counter drugs within the scope of medical insurance catalogue; When visiting a designated medical institution, you can pay the basic medical expenses and local supplementary medical expenses paid by yourself and your spouse and immediate family members who participate in the basic medical insurance in this Municipality; It can cover the health check-up and vaccination expenses for me, my spouse and immediate family members to participate in the basic medical insurance in this city. Secondary Insured/Tertiary Insured: None.
4. When the personal account is insufficient to pay, the payment ratio is different. First-class insured person: First-class insured person has been insured continuously for one year, and the average salary of supermarket employees is 5% of the basic outpatient medical expenses and supplementary medical expenses paid by himself in the same medical insurance year, and 70% of the excess is paid by the overall fund according to regulations (80% for those over 70 years old). Secondary Insured/Tertiary Insured: None.
5. The reimbursement ratio of outpatient large-scale equipment for examination and treatment is different. First-class insured: 80% shall be paid by the overall fund as required. Second-level insured/third-level insured: the highest unit price of general medical treatment items shall not exceed 120 yuan.
Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.
legal ground
People's Republic of China (PRC) social insurance law
Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.
Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.
Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
Article 35 The employing unit shall pay the work-related injury insurance premium according to the total wages of employees and the rate determined by the social insurance agency.
Forty-fourth employees should participate in unemployment insurance, and employers and employees should pay unemployment insurance premiums in accordance with state regulations.
Fifty-third employees should participate in maternity insurance, the employer should pay maternity insurance premiums in accordance with state regulations, and employees do not pay maternity insurance premiums.