What is Comprehensive Coverage?

Comprehensive insurance is to protect the legitimate rights and interests of foreign employees, regulate the employment behavior of units, and maintain order in the labor market. Comprehensive insurance includes three types of insurance benefits including work injury (or accidental injury), hospitalization and old-age subsidies. 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. ^[1]

Comprehensive insurance

Comprehensive insurance is to protect the legitimate rights and interests of foreign employees, regulate the employment behavior of units, and maintain order in the labor market. Comprehensive insurance includes

As a considerable part of the migrant employees working in Shanghai, although they are working in Shanghai, they have not established labor relations with Shanghai units and are unable to participate in social insurance. In order to protect the legitimate rights and interests of migrant employees, regulate the employment of units, and maintain order in Shanghai's labor market, Shanghai has implemented a comprehensive insurance system for migrant employees from September 1, 2002.

Comprehensive insurance for migrant workers includes

What benefits can migrant workers participating in comprehensive insurance enjoy?

Migrant workers participating in comprehensive insurance can enjoy

The "Shanghai Overseas Employees Insurance Card" is a new comprehensive insurance policy for migrant employees that is launched simultaneously with the daily medical fee subsidy. This card combines two functions in one, which not only provides more personal protection for foreign practitioners, but also opens up a more convenient channel for safeguarding rights.

How to use Comprehensive Insurance Card? What should I pay attention to during use? Here are five tips for your reference:

1. There is one comprehensive insurance card per person. During employment in this city, 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.

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.

3. You can check the balance of funds in your personal "Overseas Overseas Employees Comprehensive Insurance Card" by calling the Labor Security Phone 12333. Individuals who have doubts about the use of funds in the card can also inquire transaction details through the 12333 consultation phone.

4. If the "Integrated Insurance Card for Employees from Shanghai and Overseas Countries" is accidentally lost, you can immediately call the Labor Security Phone 12333 to report the loss. At the same time, you should apply through your unit to reissue the "Overseas Overseas Employees Comprehensive Insurance Card".

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.