Mainly reflected in the following aspects:

Old-age insurance: when an individual is employed across the overall planning area, the basic old-age insurance relationship will be transferred with him, and the payment period can be calculated cumulatively. When an individual reaches the legal retirement age, the basic pension will be paid in stages and uniformly according to the payment period, payment base, personal account balance and the average salary of employees in the pension receiving area.

Medical insurance: Since 20 19, the unified medical insurance system for urban and rural residents in China has been fully implemented. Medical treatment in different places can realize direct settlement of hospitalization expenses, and can also use the card settlement function to participate in inter-provincial reimbursement. This makes the settlement of hospitalization expenses in different places more convenient, preferential and reassuring.

Accumulated years of social security transfer: Social security transfer has a positive impact on employees themselves, allowing employees to accumulate social security payment years, and it is easier to reach the accumulated payment years of 15 years, which is very necessary for employees to receive old-age insurance after reaching retirement age.

Medical insurance and maternity benefits: If the payment place is inconsistent with the workplace, the workplace will not be able to obtain the insurance information, resulting in the inability to use medical insurance for immediate reimbursement when sick, or the inability to directly reimburse the maternity expenses when giving birth at the workplace. Therefore, if you decide to give birth or seek medical treatment at work, you need to go through the corresponding filing procedures in advance.

Pension treatment: the collection of pension is linked to the social wage in the retirement area. The more developed the city, the higher the wage level, and the more pensions local retirees receive. If the social security payment place is not in a big city, you may lose the qualification to receive a pension in a big city, thus affecting your economic income after retirement.

Five insurances and one gold transfer process:

1. Before the insured person moves across provinces, he/she shall issue the Social Security Participation Payment Certificate to the social security agency of the original insured place.

2. The insured holds the payment voucher, household registration book, ID card, etc. Until the social security agency of the new employment place applies for the continuation of the relationship.

3. The social security agency of the new employment place will review whether the applicant meets the requirements within 15 working days.

4. After receiving the contact letter 15 working days, the social security agency of the original insured place will clear up whether the applicant's insurance payment is in arrears and handle the transfer of social security fund, terminate the applicant's local insurance relationship, and issue the Information Form for the Transfer and Continuation of Social Security Relationship to the new insured place.

5. The social security institution of the newly insured place shall complete the relevant procedures within 15 working days after receiving the information form and the transfer fund.

To sum up, the transfer of five insurances and one gold in different places has an important impact on individuals, involving pension, medical care and other rights and interests. Therefore, when considering the transfer of social security, we should make a decision according to the actual situation and future plans of the individual.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 19

If an individual is employed across the overall planning area, his basic old-age insurance relationship will be transferred with him, and the payment period will be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council.