Medical insurance contribution ratio: individuals and units

Basic medical insurance purchased by the company for its employees.

The proportion of unit and individual contribution is respectively, the employer pays according to the proportion, and the individual pays according to 2%. Among them, the total average monthly salary of the employee's employees in the previous year.

It is the payment base and is paid in proportion. Legal basis: Social Insurance Law of the People's Republic of China.

Article 23 Workers and workers shall participate in the basic medical insurance for employees, which shall be jointly paid by the employer and the workers in accordance with the provisions of the state."

1. The employer shall take the total salary of its employees as the payment base and pay at the rate of 9%; In-service employees shall use their own wages as the payment base, and shall be withheld and paid by their units at a rate of 2%.

Flexible workers.

Pay at 11% of the individual contribution base. Unemployed persons are receiving unemployment insurance benefits.

The basic medical insurance premiums that should be paid during the period are from the unemployment insurance**.

Medium payment. 2. Payment of medical insurance premiums: 10% for enterprises and 2% for individuals + 3 yuan (basic medical care:

9% of the enterprise 2% of the individual, large amount of mutual assistance: 1% of the enterprise 3 yuan per individual) The average monthly salary of the employee himself in the previous year is lower than 60% of the average monthly salary of the employees in the city in the previous year, 60% of the average monthly salary of the employees in the city in the previous year is the base of the payment of wages, and the basic medical insurance premiums are paid. The part of the average monthly salary of the employee in the previous year higher than 300% of the average monthly salary of the employee in the city in the previous year shall not be used as the base for payment of wages and the basic medical insurance premiums shall not be paid.

If the average monthly wage of the employee in the previous year cannot be determined, the average monthly salary of the employee in the city in the previous year shall be the base of the payment wage, and the basic medical insurance premium shall be paid.

3. The standard for the basic medical insurance premiums paid by the unit to be transferred to the personal account:

1) Employees under the age of 35 shall be transferred to their personal accounts according to their monthly salary base;

Employees over the age of 1 but under the age of 45 shall be transferred to their personal accounts at the rate of 1% of their monthly salary base;

Employees over the age of age shall be transferred to their personal accounts at the rate of 2% of their monthly salary base;

4) Retirees under the age of 70 shall be transferred to their personal accounts according to the average monthly salary of employees in the city in the previous year;

Retirees over the age of age shall be classified into individual households according to the average monthly salary of employees in the city in the previous year.

4. How to inquire about the payment of personal medical insurance.

1）.Social Security Center Inquiry.

Present your ID card.

Or go to the service hall of the social security bureau where the unit belongs to print the medical insurance payment list of the personal account.

2）.**Consultation.

Call the local social security bureau ** and report the personal ID number to check the medical insurance payment status of the personal account.

If the employer and the employee pay the basic medical insurance premiums together, the employer's contribution ratio is the total salary of the in-service employee, and the employee's contribution ratio is 2 of his or her salary income.

What is the ratio of individual and unit contributions to social security?

For the basic medical insurance purchased by enterprises for employees, the proportion of units and individuals is respectively, the proportion of employers is paid, and individuals are paid by 2%. Among them, the total monthly average first hole salary of the in-service employees of the previous year shall be the payment base, and the employer shall pay the total salary in proportion.

Legal basis: Article 23 of the Law of the People's Republic of China on Social Insurance Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall jointly pay the basic medical insurance premiums in accordance with the provisions of the state. Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexibly employed persons can participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Legal analysis: The employer and the employee jointly pay the basic medical insurance premiums for employees. The employer's contribution ratio is 8% of the total salary of the in-service employee, and the proportion of the employee's contribution is 2% of the employee's salary income.

With the development of the economy, the proportion of employers and employees can be adjusted accordingly.

Legal basis: Social Insurance Law of the People's Republic of China.

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State. Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the insurance premium for basic medical treatment in accordance with the provisions of the state.

Article 24: The State is to establish and improve a new type of rural cooperative medical system. The management measures for the new type of rural cooperative medical care shall be stipulated by ***.

Summary. 1.The basic medical insurance premiums for employees are paid jointly by the employer and the employee.

If the employer's contribution ratio is the total salary of the employee, the employee's contribution ratio shall be 2% of the employee's salary income. 2.The medical insurance premium paid by the employer is divided into two parts, one part is used to establish the overall plan**, and the other part is transferred to the personal account.

The proportion of the personal account is generally about 30% of the employer's contributions, and the specific proportion is determined by the overall planning area according to the scope of payment of the personal account and the age of the employee.

1.The basic medical insurance premiums for employees are paid jointly by the employer and the employee. If the proportion of the employer's burying fee is the total salary of the employee, the employee's contribution ratio shall be 2% of the employee's salary income.

2.The medical insurance premium paid by the employer is divided into two parts, one part is used to establish the overall plan, and the other part is transferred to the personal account. The proportion of the personal account is generally 30% of the employer's contributions, and the specific proportion is determined by the overall planning area according to the scope of payment of the personal account and the age of the employee.

Social medical insurance is a social insurance system established by the state and society in accordance with certain laws and regulations to provide basic medical needs protection for workers within the scope of protection. Social medical insurance consists of three levels: basic medical insurance, large-amount medical assistance, enterprise supplementary medical insurance and individual supplementary medical insurance.

Summary. The minimum payment ratio of five insurances and one housing fund is as follows: endowment insurance:

20% for units and 8% for individuals; Medical insurance: 9% + 1% for units and 2% + 3 for individualsUnemployment insurance: 1% of the contribution ratio of the unit, and the proportion of the individual contribution remarks:

Agricultural household registration is not paid; Maternity insurance: the proportion of unit payment, individual does not pay; Work-related injury insurance: the proportion of the employer's contribution, and the individual does not pay.

The minimum payment ratio of five insurances and one housing fund is as follows: endowment insurance: 20% for units, 8% for individuals; Medical Insurance:

The proportion of single hardship Hu is 9%+1%, and the proportion of individual payment is 2%+3;Unemployment insurance: 1% for units, and remarks for individual contributions: not paid for agricultural accounts; Maternity Insurance:

The proportion of unit payment, individual does not pay; Work-related injury insurance: the proportion of the employer's contribution, and the individual does not pay.

The basic medical insurance premiums for employees are paid jointly by the employer and the employee. If the employer's contribution ratio is the total salary of the employee, the employee's contribution rate shall be 2% of the employee's salary income. With the development of the economy, the contribution ratio of employers and employees can be adjusted accordingly.

The total monthly average salary of the employees of the previous year shall be the payment base of the employer, and the average monthly salary of the employee in the previous year shall be the monthly payment base. If the monthly payment base of units and individual employees is lower than 60% of the average monthly wage of employees in the city in the previous year, 60% of the average monthly salary of employees shall be used as the payment base; The part of the group that is more than 300% higher than the average monthly salary of employees in the city shall not be included in the payment base. The total monthly average salary of the employees in the previous year shall be the payment base and shall be paid in proportion.

For example, if there are 100 employees in a unit with a total monthly salary of 90,000 yuan, the employer should pay a basic medical insurance premium of 90,000 yuan per month.

There are differences in the proportion of social security contributions in various units, and the annual payment ratio may also be adjusted, so the specific policy of the year shall prevail. The following is just an approximate payment ratio for your reference in some regions:

1. Endowment insurance. In 2022, the proportion of pension insurance paid by units is usually 16%, and that of individuals is 8%. Employee pension insurance is very important, need to pay every month, the current pension insurance in China is the cumulative calculation of the number of years of the system, that is to say, the pension insurance will not be affected too much, the current pension insurance must be paid for at least 15 years, after reaching the retirement age, after the retirement procedures can receive the pension, the pension insurance received by the employee pension insurance is higher than the pension insurance of urban and rural residents.

2. Medical insurance. In 2022, the proportion of units paying medical insurance is usually about 10%, and that of individuals is about 2%. If you accidentally break the payment, then it is best not to exceed three months (subject to local policies), if you leave the company and do not join the new company, then you can pay medical insurance to the social security agency on your own.

3. Maternity insurance. In 2022, the proportion of units paying maternity insurance is usually 1%, and individuals do not need to pay maternity insurance. Maternity insurance is very important for women, generally speaking, women in a unit for 12 consecutive months of maternity insurance, prenatal examination costs and production expenses can be reimbursed, in addition to the maternity allowance, the specific local policy shall prevail.

4. Unemployment insurance. In 2022, the proportion of unemployment insurance paid by units is about 1%, and that of individuals. Unemployment insurance means that after being passively unemployed, you can receive unemployment benefits after meeting the payment conditions and completing the unemployment registration and other relevant procedures.

5. Work-related injury insurance. In 2022, the proportion of work-related injury insurance paid by units is about 0, and that of individuals is 0.

Finally, I would like to remind you once again that the proportion of social security contributions in various places is usually not the same, and if you want to know the local social security payment ratio in 2022, it is recommended to pay attention to the official notice.

To sum up the above, social security is jointly borne by units and individuals, and the proportion of different types of insurance will be different, but for maternity insurance and work-related injury insurance, employees do not have to bear it, so it is necessary to combine the actual situation when dealing with it, and the insurance costs of different bases are also different.