Chapter 46: High-Cost Healthcare

Early the next day, after the first factory employees got up, under the guidance of the robots, they went in groups to the meeting room.

In the meeting room, the robot took the contract and highlighted the main points, saying: "The base salary for the position you applied for is 692, working 8 hours a day, no overtime, with weekends off. If there are legal holidays in your country, the company will follow local labor regulations and provide time off."

"In the first year of implementing personal income tax in the country, the exemption limit is 692, so regardless of whether you pay taxes or not, you will not be affected."

"Also, about health insurance at work, which was not mentioned during hiring, let me explain."

"Health insurance is mandatory. There are two plans: the first, where 5% of your salary will be deducted monthly for health insurance, with the company and the employee paying 2.5% each, i.e. 17. After the purchase, you can enjoy public medical services."

"The second plan, where 3% of your salary will be deducted monthly for health insurance, with the company and employee paying 1.5% each... After purchase, 70% of medical expenses can be reimbursed."

"Here is the contract, you must decide on the health insurance by yourselves, and once confirmed, it cannot be changed for one year."

Contracts were distributed to everyone.

A roommate looked at Xiao Wu: "Wu, which one are you going to choose?"

Xiao Wu took out a pen and said, "I will definitely choose the first one. Only 2.5%, it's only 17 dollars, and I can enjoy public medical services. There's nothing to think about, right?"

"17 per month, more than 204 per year, is not little."

"At most, during a year, I only get a cold once, I wouldn't spend more than 204 dollars to buy medicine, right?"

"I choose the second one, I think it's more advantageous."

"It's just 1 dollar more, what's the need?"

"1 dollar a month, 12 a year. Like I said, I'm young and healthy."

"As you wish."

"Speaking of which, this health insurance, no matter how high the salary is, the percentage deducted is the same, right? The more you earn, the more is deducted, right?"

"Exactly."

….

In the market, they are also signing contracts.

Workers here are generally older. When they learn the difference between 5% and 3%, their first reaction is to choose the lowest value.

They only have a vague idea about health insurance, costing 38 a year.

But here you are charged 13 per month.

A middle-aged man said, "Boss, can I call my daughter and ask?"

"He can."

The middle-aged man came with his family, his daughter works at the factory.

He called his daughter and asked, "Daughter, are they deducting money from your insurance?"

"They are." The daughter replied: "You and mother chose 5%."

"That's a lot, we both make 1,384 a month. Even if we only pay 2.5%, that still adds up to 34.6 a month, 415 a year!"

"Father, listen!" The daughter said, "You two are older, you are not as healthy as young people. These 415 buy comprehensive health insurance. Do you know what that is? It means that no matter what disease you have, even cancer, the treatment will be covered!"

"This can't be so good..."

"Ah, believe me, don't be greedy for this small amount."

"All is well then."

After hanging up the phone, the middle-aged man spoke to his wife: "Our daughter suggested that we choose comprehensive health insurance."

"This...this will cost another 553 a year for both of us."

"Our daughter said that with this insurance, we won't have to pay for health treatments."

In the end, the couple opted for comprehensive health insurance.

But most workers in the market still chose 3%.

….

Workers recruited as captains and fishermen were in a dilemma.

They were the ones who worried the most.

Because his salary was the highest.

But its overall benefits were also the best.

In addition to mandatory health insurance, Chen Yang took out accident insurance for each of them.

Although it was called accident insurance, it was actually Yan Guo's government that paid for his unexpected accidents, but there were documents to prove it.

Because they came to work in Yan Guo, but Yan Guo was still unrecognized, insurance companies in other countries did not recognize them, so Chen Yang could only resolve it himself.

"Xiao Hu, follow my advice, buy health insurance with a deductible!" the middle-aged man said.

"Uncle, insurance with a deductible is very expensive, it costs about 276 per year."

"What's there to hesitate about paying 276 a year for health insurance?"

The middle-aged man understood very well the value of this type of insurance. In their home country, there was no choice, but in this place there were options, so what was there to hesitate?

"All is well then."

The young man followed the advice and chose health insurance with a deductible.

****

(translation note:

If you find any errors in the translation, please let me know so I can correct them.

This novel is already completely translated into my pateton.)