北京社保 2026：缴费基数与社保卡全攻略

Beijing Social Security 2026: Complete Guide to Contribution Base and Social Security Card

来北京上班，每月工资单上扣的社保到底怎么算、2026 年基数变没变、灵活就业一个月交多少、社保卡去哪领去哪查——本篇把 2026 年度最新的官方通告逐条整理出来，数字都有出处，不写模糊口径。

Coming to Beijing to work — how is the social security deduction on your monthly payslip calculated, has the contribution base changed in 2026, how much do flexible workers pay per month, and where do you get or check your social security card — this article compiles all the latest official announcements for 2026 with sourced data, no vague statements.

一、2026 年度缴费基数（一句话版）

I. 2026 Contribution Base (In a Nutshell)

怎么看自己用的基数：缴费基数是按本人上年月平均工资在 7270-36348 之间取数，工资不在区间内的按上下限封顶保底。单位按每人申报，个人可登录官方渠道查自己的缴费基数与明细。

How to check your own base: the contribution base is based on your average monthly salary from the previous year, falling within the range of 7,270–36,348; salaries outside this range are capped or floored accordingly. Employers declare on behalf of each employee, and individuals can log in to official channels to check their contribution base and details.

二、五险缴费比例（个人与单位各出多少）

II. Five-Insurance Contribution Rates (Employee vs. Employer Portions)

北京职工社保五险费率（现行口径）：

Beijing employee social security five-insurance rates (current):

举例：月薪 10000 元（基数用 10000），个人每月缴 = 养老 800 + 医疗 200+3 + 失业 50 ≈ 1053 元；单位承担 = 养老 1600 + 医疗 980 + 失业 50 + 工伤约 20-190 ≈ 2650-2820 元。所以"社保是公司在养你"并不夸张——单位支出是你的 2.5-2.7 倍。

Paid separately from social security; base口径 follows social security rules

三、灵活就业/个人存档：每月要交多少钱

Example: Monthly salary of 10,000 RMB (base = 10,000). Employee monthly payment = Pension 800 + Medical 200+3 + Unemployment 50 ≈ 1,053 RMB; Employer承担 = Pension 1,600 + Medical 980 + Unemployment 50 + Work injury approx. 20–190 ≈ 2,650–2,820 RMB. So saying 'your employer is funding your social security' is no exaggeration — the employer's cost is 2.5–2.7 times your own.

在市区人力资源公共服务中心、街道便民服务中心个人存档参保的，2026 年标准：

III. Flexible Employment / Personal Archive: How Much to Pay Per Month

基数可自主选择（在上下限之间），按季度或年度申报。之前几个月按旧标准缴了的，补差在年底前完成即可；不想按新上限多缴的，无需操作，按原基数继续就行（通告明确"无需申报调整"）。

The contribution base is self-selected (within the upper and lower limits) and declared quarterly or annually. If you paid under the old standard for previous months, any difference will be adjusted by year-end. If you don't want to pay more at the new upper limit, no action is needed—you can continue with your original base (the notice explicitly states "no declaration adjustment required").

四、社保卡：申领、激活、丢失补办

IV. Social Security Card: Application, Activation, and Replacement if Lost

1. 单位参保：入职后由单位统一申领 第三代社保卡（基本医保+金融功能一卡），一般随入职手续办理，进度问 HR；
2. Employer-sponsored: Your employer applies for a third-generation social security card (basic medical insurance + financial function in one card) after you join; typically processed as part of onboarding—check with HR for status;
3. 灵活就业/居民：本人带身份证到街道（乡镇）便民服务中心或线上官方渠道申领，制卡周期看网点提示；
4. Flexible employment / resident: Bring your ID card to the sub-district (township) convenience service center or apply through official online channels; card production time varies by location;
5. 激活：医保功能随发卡即启用；金融功能必须本人持卡+身份证到合作银行网点激活，激活后医保个人账户现金可取出、卡可当普通银行卡用；
6. Activation: Medical insurance function is activated upon card issuance; the financial function must be activated in person with the card and ID at a partner bank branch; once activated, funds in the medical insurance personal account can be withdrawn and the card can be used as a regular bank card;
7. 丢失：先在官方渠道挂失（防金融盗刷）→ 申请补办新卡；金融部分若涉及旧卡资金，需到开户银行处理。
8. Lost card: Report the loss through official channels first (to prevent unauthorized financial transactions) → apply for a replacement; if there are funds on the old card's financial account, visit the issuing bank to handle the transfer.

五、余额与缴费记录去哪查

V. Where to Check Your Balance and Contribution Records

六、离职/换工作，社保怎么办

VI. What to Do with Social Security When Leaving or Changing Jobs

• 断缴影响：医保个人账户余额不受影响，但断缴期间医保待遇暂停、连续缴费年限中断（影响落户积分、部分购房购车资格等以社保连续缴纳为条件的场景）；
• Impact of interruption: Your medical insurance personal account balance is unaffected, but medical benefits are suspended during the gap and continuous contribution years are interrupted (affecting points for household registration, certain home/car purchase qualifications, and other scenarios requiring continuous social security payments);
• 无缝衔接：离职当月先办灵活就业参保（街道或线上），入职新单位后再转回；京津冀公积金/社保转移已简化，养老关系可跨省转移接续；
• Seamless transition: Before leaving your job, first enroll as a flexible worker (at the sub-district office or online), then transfer back when you join a new employer; Beijing-Tianjin-Hebei housing fund and social security transfers have been simplified, and pension records can be transferred across provinces;
• 北京积分落户：社保连续缴纳是硬条件之一，断缴一天都可能影响申报，具体见本站积分落户自测器。
• Beijing points-based household registration: Continuous social security payment is a mandatory requirement; even a one-day gap may affect your application—see our points-based residency calculator for details.

七、电子社保卡：比实体卡更好用

VII. Electronic Social Security Card: Even More Convenient Than the Physical Card

除了看病买药，电子社保卡这些年已经在办事场景全面铺开，很多场景带手机就行、不用带实体卡：

Beyond medical visits and pharmacy purchases, the electronic social security card has expanded to a wide range of services in recent years. Many scenarios only require your phone — no need to carry a physical card:

• 挂号就诊：全市大部分二三级医院支持医保码挂号、缴费、取药，进医院先找“医保码”扫码桩；
• Doctor registration and visits: Most grade II and III hospitals across the city support hospital insurance code registration, payment, and prescription pickup. Look for the "hospital insurance code" QR scanner upon entering the hospital.
• 买药：定点药店扫医保码直接结算个人账户；
• Pharmacy purchases: Scan your hospital insurance code at designated pharmacies for direct settlement from your personal account.
• 查记录：缴费明细、参保状态、参保证明下载，电子社保卡里都能看，不用跑大厅；
• Check records: Contribution details, insurance status, and proof of participation can all be viewed in the electronic social security card — no need to visit the service center in person.
• 跨省就医：京津冀已取消异地就医备案，刷医保码/社保卡直接结算（见上文）；电子凭证全国通用，出京看病也能用。
• Cross-province medical visits: Beijing, Tianjin, and Hebei have canceled the cross-regional medical filing requirement; simply scan your hospital insurance code or social security card for direct settlement (see above). The electronic credential is valid nationwide, so it works even when seeking medical care outside Beijing.

领取路径：「京通」小程序 → 社保专区 → 电子社保卡，或国家医保服务平台 App 人脸识别领取。老人出行忘带卡时，子女可代操作展示医保码。

How to obtain: "Jingtong" (京通) mini-program → Social Security section → Electronic Social Security Card, or use the National Healthcare Security Administration App with facial recognition. If an elderly person forgets their card while out, their children can operate the hospital insurance code on their behalf.

八、换城市/换单位，社保怎么转

8. Transferring Social Security When Changing Cities or Employers

• 同城换单位：不需要个人操作，新单位办理增员后自动衔接，中断以实际缴费月为准；
• Switching employers within the same city: No action needed from the individual. After the new employer registers you, coverage connects automatically. Any gaps are calculated based on actual contribution months.
• 北京 ↔ 外地：养老保险可通过国家社会保险公共服务平台申请跨省转移接续，医保关系随养老保险一并转移，一般线上即可提交；
• Beijing ↔ Other cities: Pension insurance can be transferred across provinces through the National Social Insurance Public Service Platform. Medical insurance coverage is transferred along with pension insurance, usually completed online.
• 公积金：京津冀公积金异地转移已简化，北京缴存证明外地购房提取等，按两地当年政策执行。
• Housing provident fund: Cross-province housing provident fund transfers in the Beijing-Tianjin-Hebei region have been simplified. Beijing contribution proofs for property purchases elsewhere are processed according to local policies of both regions.

转移不是即时到账，提交申请后约 15 个工作日完成划转（口径以人社部门为准）。不确定自己缴费状态前，先在「京通」里拉一份《北京市社会保险个人权益记录》，比口问任何中介都靠谱。

Transfers are not instantaneous — it typically takes about 15 working days after submission for the transfer to complete (subject to the human resources and social security department). Before unsure about your contribution status, pull up your Beijing Social Insurance Personal Equity Record on Jingtong — more reliable than asking any agency.