Calculation of medical insurance borne by employees

1. In-service employees, after going to the outpatient and emergency department of the hospital, can be reimbursed for medical expenses of more than 2,000 yuan, and the reimbursement ratio is 50%;

2. If it is a retiree under the age of 70, the expenses of more than 1,300 yuan can be reimbursed, and the reimbursement ratio is 70%;

3. If it is a retiree over 70 years old, the proportion of expenses above 1,300 yuan that can be reimbursed is 80%;

4. The cost of hospitalization, when the basic medical insurance is used for the first time in a year in 2009, the minimum amount is 1,300 yuan for both incumbents and retirees; The minimum payment standard for the medical expenses of the second and subsequent hospitalizations is determined by 50%, which is 650 yuan.

The second percent is the proportion of medical insurance you need to pay each month, which is multiplied by your payment base and is the amount of medical insurance you should pay

The following plus three is the serious illness medical insurance paid separately in addition to the medical insurance, the amount is three yuan, which is collected according to the unified three yuan regardless of the majority of the salary base.

The amount of medical insurance you need to pay per month is 2 3 yuan from the salary base.

The payment of the unit is based on the total salary of the unit, and the payment of individual employees is based on the monthly salary of the employee. 2% is the contribution ratio, and 3% is the large supplementary medical insurance premium.

Legal analysis: Based on the purchase of all social security by the unit, the calculation is as follows: Medical insurance:

2% for individuals and 8% for units; Endowment insurance: 8% for individuals, 20% for units; Unemployment insurance: 1% for individuals and 2% for employers; Workers' Compensation Insurance:

None for individuals, 1% for units; (Varies by industry) maternity insurance: none for individuals, 1% for units; (varies by industry).

Provident Fund: 7% for individuals, 7% for units. (There are 8% and 12%, and the same adjustment is currently 12%) In addition, the insurance is not based on the salary you pay, but according to the payment base set by the unit, and the medical insurance is at least based on the average salary.

Medical insurance generally refers to medical insurance. Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

Legal basis: Article 2 of the Law of the People's Republic of China on Social Association Insurance Article 2 The State shall establish a social insurance system such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

When you work in the company, you will have employee medical insurance, which is for the employer to raise the employee for processing, when paying the fee, how is the calculation method of this medical insurance? Below, in order to help you better understand the relevant legal knowledge, I have compiled the following content, I hope it will be helpful to you.

1. Medical insurance

The basic medical insurance system for employees is a social medical insurance system that gives the basic medical rights of employees in accordance with the law, and is enforced by laws and regulations.

2. Calculation of employee medical insurance

Based on the purchase of all social security by the unit, the calculation is as follows:

Medical insurance: 2% for individuals and 8% for employers;

Endowment insurance: 8% for individuals, 20% for units;

Unemployment insurance: 1% for individuals and 2% for employers;

Work-related injury insurance: none for individuals, 1% for units; (varies by industry).

Maternity insurance: none for individuals, 1% for units; (varies by industry).

Provident Fund: 7% for individuals, 7% for units. (There are 8% and 12%, and the same adjustment is currently 12%)

In addition, the insurance is not based on the salary you pay, but according to the contribution base set by the employer, and the medical insurance is at least based on the average salary.

The above content is related, if you want to pay medical insurance, then the individual is borne according to the proportion of 2%, when working in the employer, not only medical insurance, pension insurance, etc., are the majority of the employer's responsibility.

The general proportion of employee medical insurance contributions is: the company pays, and the individual pays 2%. Medical insurance is usually borne by the company and the insured, the specific payment base of medical insurance will be different in each region, each region has a detailed plan, you can consult the local social security bureau.

The calculation methods for the separate contributions of social security payment units and individuals include: 16% of the pension insurance is generally borne by the unit, 8% of the medical belt insurance, 2% of the unemployment insurance and the work-related injury insurance of the maternity insurance. China's "Social Insurance Law" stipulates that the state shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance.