1, the payment is different. The base of the first payment is the total monthly salary of employees, and the payment ratio is 8.2%, of which the company pays 6.2% and the individual pays 2%. The second payment base is the average monthly salary of employees in Shenzhen last year, and the payment ratio is 0.8%, of which the company pays 0.6% and the individual pays 0.2%. The base of the third-grade payment is the average monthly salary of employees in Shenzhen last year, and the payment ratio is 0.55%, of which the company pays 0.45% and the individual pays 0.1%;

2. Personal accounts are different, only one file has a personal account, and the second and third files do not. After the balance of the social security account reaches the payment conditions, the first-level insured can go to the designated medical insurance pharmacy to buy medicine, or they can use their personal accounts to give themselves, their spouses and immediate family members health checkups and vaccinations. However, the second-class insured can't take the medical insurance card to the designated medical insurance pharmacy to buy medicine, and social security can't be used by family members.

3, outpatient treatment is different, outpatient reimbursement is also divided into general outpatient service, serious illness outpatient service, outpatient blood transfusion, outpatient special inspection, etc. The first file can be paid or reimbursed by the medical insurance through the money in the personal account, and the second and third files can only be reimbursed for the general outpatient service of the community health service, and the maximum reimbursement can only be 1000 yuan per year. Different drugs also have different reimbursement rates.

Legal basis: Article 4 of People's Republic of China (PRC) Social Insurance Law.

Employers and individuals in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

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The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.