Some people said that when there was no social security, it was so much money to see a doctor. Now with social security, it is still so much money after reimbursement. We all ignore an essential problem. At the same price, we get better and better medical conditions. Social security is also an essential part. In fact, according to the perspective of scientific and technological progress, China's medical conditions are becoming more and more developed, and the medical cost of course should be increased. However, the medical insurance benefits are introduced at the same time, which makes us see the "illusion", and the role of social security is actually very large.

清零的只是报销比例，而且不是将比例降为零

Only the reimbursement proportion is cleared, and the proportion is not reduced to zero

其实主要说的就是社保中的医疗保险，在看病的时候，医保的报销比例为50%前提是要缴满6个月，如果交满一年，那么报销比例可以达到70%，如果是特殊单位缴纳的社保，报销比例甚可以高达90%。而长时间断缴社保的话就会发生“社保清零”的事情，例如从70%的报销比例降为50%，降到之后还没有缴纳，那就会无法报销。而农村的合作医疗一般情况下是断缴一年则无法报销，并且合作医疗是按年收费的。

In fact, it mainly refers to the medical insurance in the social security. When seeing a doctor, the reimbursement proportion of the medical insurance is at least 50%, on the premise that it must be paid for six months. If it is paid for one year, the reimbursement proportion can reach 70%. If it is the social security paid by a special unit, the reimbursement proportion can even be as high as 90%. If the social security is not paid for a long time, the "social security clearing" will occur. For example, the reimbursement proportion will be reduced from 70% to 50%. If it is not paid after it is reduced to the minimum, it will not be reimbursed. In general, the rural cooperative medical system can not be reimbursed if it is cut off for one year, and the cooperative medical system is charged annually.

于具体的情况还要看当地的政策，关于社保缴费和时间方面的规定每个地方都不一样，但是差别不会太大，基本上是统一的。如果社保无法报销，那么在看病的时候就只能自费了，但是社保中包含五险，并非只是医疗保险受到影响，其他的四个也会受到影响。

As for the specific situation, it also depends on the local policies. The provisions on social security payment and time are different from place to place, but the difference will not be too great. It is basically unified. If the social security cannot be reimbursed, you can only pay at your own expense when seeing a doctor, but the social security includes five insurances, not only the medical insurance will be affected, but the other four will also be affected.

例如生育险就是其中比较重要的一个，一般情况之下，需要连续缴满一年才可以享受生育险带来的福利，也有人说在这一年里面还无法换工作，也就是说如果你换一个企业缴纳社保，即便是交满一年，也无法报销，这种事情是真实存在的，只不过其他地区是不是这样就不知道了。

For example, maternity insurance is one of the more important ones. Generally, you need to pay for one year continuously before you can enjoy the benefits brought by maternity insurance. Some people say that you can't change jobs in this year, that is, if you change an enterprise to pay social security, you can't be reimbursed even if you pay for one year. This kind of thing is true, It's just that I don't know if other regions are like this.

此外，工伤险一般在离职之后就无法享受了，只有在职期间才可以享受工伤险，而失业保险则相反，只有失业的时候才会发挥效果，例如某公司裁员导致失业，那么可以领取补贴，于补贴的金额也是按照社保缴费多少和缴费时间来计算的。其实缴纳社保的好处要远远超过我们缴纳社保的成本，而且这是我们的生活保障。

In addition, work-related injury insurance generally cannot be enjoyed after leaving the company. Work-related injury insurance can be enjoyed only during the on-the-job period, while unemployment insurance, on the contrary, will work only when you are unemployed. For example, if a company layoffs and leads to unemployment, you can receive subsidies. The amount of subsidies is also calculated according to the amount and time of social security payment. In fact, the benefits of paying social security far exceed the cost of paying social security, and this is our life security.

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