How Do I Choose the Best Comprehensive Coverage?

Shanghai Comprehensive Insurance is a commercial insurance set up by the Shanghai Municipal Government. Shanghai Comprehensive Insurance does not include provident funds. The Shanghai Comprehensive Insurance is a comprehensive insurance and benefits provided for the protection of foreign employees. The Shanghai Comprehensive Insurance includes three types of insurance: work injury (or accidental injury), hospitalization and old-age subsidies.

Shanghai Comprehensive Insurance

Shanghai Comprehensive Insurance is a commercial insurance set up by the Shanghai Municipal Government. Shanghai Comprehensive Insurance does not include provident funds. Shanghai Comprehensive Insurance provides three insurance benefits for the protection of foreign employees, while Shanghai Comprehensive Insurance includes three types of insurance: work injury insurance, hospitalization, and old-age benefits. Migrant workers who suffer from work-related accidents or occupational diseases during the period of participating in comprehensive insurance can receive a lump-sum payment of work-related injury insurance; if they are hospitalized due to illness or non-work-related injuries, the part above the minimum payment for hospitalization is covered by comprehensive insurance The fund bears 80% and is responsible for 20%; foreign employees who have paid for one year in a row can obtain vouchers for old-age subsidies and cash out old-age subsidies in one year in retirement.

Shanghai Comprehensive Insurance includes three types of insurance benefits: work injury (or accidental injury), hospitalization and old-age subsidies. However, starting from April 1, 2005, during the period of participating in the comprehensive insurance, foreign employees can enjoy the daily drug subsidy of 20 yuan per person paid by the Comprehensive Insurance Fund and receive a "Shanghai Overseas Employees Comprehensive Insurance Card" Individuals can buy medicines at pharmacies using UnionPay card POS machines in the city.

Within Shanghai, state agencies, social organizations, enterprises (including foreign construction enterprises), public institutions, private non-enterprise units, self-employed economic organizations and their employed and employed non-employed migrant workers Should pay comprehensive insurance.

Work injury (or accidental injury)

The main contents of work injury insurance treatment include medical rehabilitation treatment, disability treatment and death compensation treatment. If a work-related injury occurs, foreign employees can refer to the work-related injury treatment standards stipulated by Shanghai and enjoy work-related injury insurance benefits. The medical expenses incurred in the hospital stay below the minimum payment standard shall be borne by the external employees; for the medical expenses above the minimum payment standard, 80% shall be borne by the comprehensive insurance fund and 20% by the external employees. The starting standard for inpatient medical expenses is now 10% of the average annual salary of employees in Shanghai in the previous year.

Hospitalization

Foreign employees who are hospitalized due to pregnancy, miscarriage, childbirth, contraception, sterilization, treatment of infertility, artificial conception and complications resulting from the employer's payment of comprehensive insurance can enjoy comprehensive insurance hospitalization treatment. If a foreign employee is hospitalized due to illness or non-work-related injury, the employer or the foreign employee shall apply to the insurance company for an inpatient medical insurance payment and provide the following relevant materials:

1. Copy of hospitalization medical insurance certificate;

2. Employment certificate;

3. Identification certificate;

4. Payment vouchers and related certificates for hospitalization medical expenses.

Pension subsidy

Continuous payment for one year or accumulated payment for one year within three years, you can have an old-age subsidy card, female 50 years old and male 60 years old, with the ID card and subsidy card to receive old-age subsidies at designated insurance companies.

In the second half of 2004, a research report on "Thinking and Countermeasures for Social Security for Migrant Workers" jointly completed by the Research Office of the Shanghai Committee of the NLD and the Shanghai Labor and Social Security Bureau Foreign Labor (Migrant Workers) Employment Management Center showed: Shanghai First Comprehensive Insurance provided a strong operational social security system for 4.98 million migrants, adapted to the needs and characteristics of migrants, appropriately reduced the labor cost of migrant labor, and eased some contradictions. But what are the conditions to apply for Shanghai Comprehensive Insurance?

1. Application conditions

(1) Materials such as a copy of business license, corporate legal person code certificate (or organization code certificate), etc., go to the employment management agency for foreigners to go through comprehensive insurance registration procedures.

(2) Non-employed persons refer to persons from other provinces, autonomous regions, and municipalities that meet the conditions of employment in this city and work or do business in this city but do not have permanent residence in this city.

(3) The comprehensive insurance registration procedures shall be completed within 30 days from the date of obtaining approval to use foreign employees.

2. Receiving department

(1) Enterprises and units in Shanghai and the central government and units in Shanghai, large-scale enterprises, city-level state organs, institutions, and social organizations shall go to the municipal labor force employment management center for registration procedures.

(2) District and county-owned enterprises, private enterprises, township enterprises, self-employed industrial and commercial households, units in other provinces and cities in Shanghai, and some city-owned enterprises (units) entrusted with district and county management shall register with the labor force management office in the county and county where the operation is located formalities.

(3) Foreign construction enterprises that have been approved to enter Shanghai should go through the registration formalities with the municipal construction commission agency.

Shanghai's comprehensive insurance should gradually transition to the social insurance system in small towns, establish personal social insurance accounts for mobile employees, and insist on realizing and improving personal accounts. Before the introduction of a unified national basic social security system, Shanghai should change its current payment system. Paying and continuing the practice of one-off collection.

There are three ways to query Shanghai comprehensive insurance:

1. Telephone inquiry.

Please dial the unified service phone number of Shanghai Human Resources and Social Security Bureau directly. This phone provides service. Advice is also provided. Specific operating steps: Part 1: Dial-Chinese (press: 1)-account query (press: 2)-query of comprehensive insurance card for foreign employees (press: 1) --- enter the card number starting with 9400 (# End)-Confirm the name (press: 1) first determine the language type, determine the query type, determine the service item type, enter the card number of the comprehensive insurance card, and finally confirm the name to perform Shanghai comprehensive insurance payment inquiry.

2. Go to the counter of the district or county social insurance fund center to ask.

Ask at the scene and on the counter. For the specific address of each district, please refer to the relevant page of this website, which has a detailed introduction and description above.

Third, online inquiry.

Please log in to the official website of Shanghai Human Resources and Social Security Bureau. The specific query address is as follows. The specific usage method is: after entering this page, in the "Personal Information Inquiry" column, select "General Insurance" and select Enter the ID number in the blank box, and then click "Search". The query of Shanghai comprehensive insurance payment is as simple as that.

Employers and non-employed migrant workers shall pay comprehensive insurance premiums to the city's employment management agency for migrants starting from the month of completing the comprehensive insurance registration procedures. Comprehensive insurance premiums are paid on a three-month cycle, and three months of comprehensive insurance premiums should be paid each time. Various information of the comprehensive insurance card can be queried in the above three ways.

In order to protect the legitimate rights and interests of migrant workers and regulate the employment of units, the Shanghai Municipal People's Government formulated the Interim Measures for Comprehensive Insurance for Migrant Workers in Shanghai in 2002. State organs, social organizations, enterprises (including field construction enterprises), public institutions, private non-enterprise units, individual economic organizations and their employed and non-united migrant workers who have been approved to use migrant workers shall apply in accordance with the procedures Comprehensive insurance.

So how to apply for Shanghai Comprehensive Insurance?

Application conditions:

Within the administrative area of Shanghai's towns, enterprises and individual economic organizations using outsiders.

working schedule:

According to the relevant provisions of the Shanghai Municipal People's Government Decree No. 34 "Shanghai Municipal People's Government's Decision on Amending the" Interim Measures for the Comprehensive Insurance of Migrant Workers in Shanghai ", employers using migrant workers should use them before the 24th of the month (in case of holidays) Advance to Thursday) Hold the following materials to the township social security center where the production and operation is located to apply for processing. After the township center reviews the information, submit it to the district labor office for approval and record, and issue a comprehensive medical insurance card for the insured within 1-2 months.

materials needed:

1. The "Comprehensive Unit Insurance Registration Form" (with official seal) filled in correctly.

2. The "Employment (General Insurance) Recording Registration Form" (filled with official seal, in triplicate) correctly completed.

3. Correctly fill in and paste the Personal Information Collection Form for Migrant Workers (with official seal) and a photo and ID copy.

4. Attach the "Photo Scanning Special Form" (with official seal) to the photo.

5. Copy of business license, organization code certificate, bank account opening permit (copy).

The direction of national social security policy is ultimately national coordination, and the basic condition for achieving national coordination is the need for a clear personal account for social insurance. Zhou Zixiang, the report writer and a researcher at the Shanghai Democratic Party's Research Office, said that the biggest flaw in Shanghai's comprehensive insurance is that Set up a personal account. If migrant workers leave Shanghai, the comprehensive insurance work injury insurance and medical insurance contributions paid in Shanghai are equal to a write-off, and they will need to apply for social insurance from the beginning after arriving in other cities. In the future, it will be necessary to realize the national overall planning of social insurance. There will be outages and no evidence can be found.

Shanghai is a city with a lot of migrant workers, but you must have a local household registration or residence permit to apply for social security, so you can only apply for comprehensive insurance. After applying for comprehensive insurance, you will get a comprehensive insurance card. How to use this card?

The use of comprehensive insurance cards can be understood through the following:

1. There is one comprehensive insurance card per person. During employment in Shanghai, migrant workers do not change cards when changing units.

If the cardholder's personal basic information changes, he or she should go through the unit to the district / county foreign exchange office to complete the change formalities.

Interpretation: one card per person, one ID card. Changing the unit does not change the card.

2. The "Integrated Insurance Card for Employees from Overseas Abroad" is issued to you through your unit. The comprehensive insurance card is set with a six-digit password, which is the last two digits + month + day of your birth year on your ID card. If the date of birth is July 18, 1962, the password is 620718. Please keep the "Integrated Insurance Card for Employees from Shanghai and Overseas Countries" properly to avoid loss of your personal rights and interests.

Interpretation: The password setting is related to the date of your birth.

3. You can check the balance of funds in your personal "Overseas Overseas Employees Comprehensive Insurance Card" by dialing a labor security phone. Individuals who have doubts about the use of funds in the card can also inquire the transaction details through the consultation phone.

Interpretation: card balance and usage details, call all to know.

4. If the "Integrated Insurance Card for Employees from Shanghai and Overseas Countries" is accidentally lost, you can immediately call the labor security phone to report the loss. At the same time, you should apply through your unit to reissue the "Overseas Overseas Employees Comprehensive Insurance Card".

Interpretation: Once the card is lost, it can be reissued. The method of reissuing is simple: report the loss first, and reissue.

5. As the comprehensive insurance card for employees from Shanghai and abroad requires a certain period of time to make and issue a comprehensive insurance card, if you do not receive the comprehensive insurance card for a while, please do not worry, because the daily drug subsidy can be calculated cumulatively, it will not affect your enjoyment of the daily drug fee Subsidies.

Shanghai Comprehensive Insurance is a commercial insurance set up by the Shanghai Municipal Government to protect the interests of foreigners in Shanghai. It is not a traditional social insurance. According to China's social security system, to participate in social insurance must have a local household registration or residence permit, and ordinary people who come to work outside Shanghai do not have the above two things. In this case, only comprehensive insurance can be obtained.