How to pay for health insurance for flexible employment

It is recommended to buy domestic medical insurance for your mother, 120 yuan, and you can enjoy 60% of the overall planning for hospitalization.

For individuals to pay medical insurance, I recommend that you buy commercial insurance for your mother, such as Pacific, Life Insurance, and Ping An, which are currently the largest insurance companies in China, with stable income, and the coverage and income will be greater than that of ordinary medical insurance. She is now 47 years old, and she still does not need a physical examination to buy protection insurance, but she can insurn serious illnesses and accidents, if she has been in good health, then when she wants to receive a pension, there will be a considerable amount of money for her to retire, and she will need a physical examination when she is 50 years old.

You can make up the payment personally and go to the Social Security Bureau to do it.

To enjoy social insurance subsidies, flexibly employed persons must register for employment in accordance with regulations, participate in social insurance as individuals, and pay social insurance premiums in full and on time according to the prescribed payment base. The prescribed payment base for social insurance premiums for flexibly employed persons enjoying social insurance subsidies is: 100% of the average monthly salary of on-the-job employees in the previous year shall be used as the payment base for basic pension; Basic medical care is based on the average monthly salary of employees in Chengdu in the previous year.

Flexible employees must pay the basic pension and basic medical insurance premiums on time, and at the end of each quarter (before the 25th) with their ID cards, household registration book, "Re-employment Preferential Certificate" or "Unemployment Certificate", employment registration certificate and social security payment certificate, the disabled person also needs to hold the "Disabled Person's Certificate", to the community labor security workstation to apply, with the actual declaration of the number of months of payment and subsidy.

Social Insurance Act

Article 28.

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses shall be paid from the basic medical blind and prudent treatment insurance in accordance with national regulations.

Social Insurance Act

Article 29.

The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institution and the drug business unit. The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places, so as to facilitate the insured to enjoy basic medical insurance benefits.

1. Install and open the relevant software for medical insurance on your mobile phone, and select the option of [Insurance Payment] after registering and logging in on the homepage and click to enter;

2. It will jump to a new interface, select the first option [Resident Medical Insurance Payment] and click to enter;

3. You can choose to pay for others, as long as you can switch family members to prepare Bitan, but low-income households and students need to go to the community to pay, if there is no problem, click [Go to pay];

4. Under [Resident Medical Insurance Payment], there will be relevant options that need to pay medical insurance, and you can click [Next] according to your choice. Prompt the amount to be paid, and select [I have agreed to the payment instructions] after Gou Huidan selects [I have agreed to the payment instructions] and then selects [Payment].

Article 4 of the Social Imitation Insurance Law of the People's Republic of China.

Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

<> flexible employment insurance payment methods are as follows:

1. Offline: Insured persons who apply for flexible employment for the first time can go to the social security service point of the local community street in the district where the hukou is located, or the social security bureau (labor and social security bureau) at the district and county level, and lead the household registration book, ID card and photocopy, and 2 1-inch ** to go to the person to respect the hail work.

2. Online insurance.

Due to the differences in the way of participating in insurance in different regions, the payment method is also different, for example, the insurance method in Wuhan is:

WeChat search for "Wuhan Social Security", "Hubei Tax", "Wuhan Tax" (choose one), take "Wuhan Human Society" as an example, search for Wuhan Social Security in the search bar, and select the business of flexible employment personnel.

Click to enter the mini program Wuhan Social Security.

2. Enter the Wuhan Human Resources and Social Security page.

Select the flexible employment option that needs to be processed and handle it.

According to the relevant regulations, the payment base and proportion of individual social security, the general pension insurance is paid in the proportion of 18-28%, and the medical insurance is generally paid according to the local average social wage level of 6-10% in the previous year, but the payment base will be different in different regions, and the local social security center can be consulted for details.

How much do flexible workers have to pay a month?

Individual payment: Because there is no company to help share, so individuals have to pay the part of the individual + company, according to the proportion of local employee social security contributions, taking Guangzhou as an example, medical needs to pay 8% of wages, pension to pay 20% of wages, adding up to a lot.

For example, if the average social wage in the previous year is 5,000 yuan, then the minimum social security payment base is 3,000 yuan and the maximum is 15,000 yuan.

Take the local average social wage of 5,000 yuan in the previous year as an example: bright sails.

The proportion of self-paid medical insurance is generally about 8% (may vary from place to place), and the minimum annual need is 3000 * 8% * 12 = 2880 yuan.

The proportion of self-paid pension insurance is usually about 20%, and the minimum need for a year is 3000 * 20% * 12 = 7200 yuan; The maximum need for a year is 15,000 * 20% * 12 = 36,000 yuan.

That is to say, if the average social wage in the previous year is 5,000 yuan, the minimum amount to be paid in a year is 10,080 yuan.

The above steps are operating in the operating environment:

Phone model: Xiaomi 12

System version: MIUI13

Medical insurance for flexible employees can generally be paid in the following ways:

1.You can bring your ID card and local household registration book to the local social security service center to go through the procedures for flexible employment medical insurance payment;

2.You can go through the payment procedures for flexible employment medical insurance in the local social security official *** in Wang Zaozhong, taking Changsha as an example, you can pay flexible employment medical insurance in the sleepy mountain "Changsha People's Society", after the individual user logs in, select "medical registration" in "flexible employment", select the place of insurance, the nature of the household registration, Yanxian fill in the mobile phone number and click submit, and then enter the "flexible employment payment" on the home page, enter the certificate number and name of the insured, and select the pension insurance, payment type, and payment start and end date and month of flexible employment. After clicking Payment, enter the base amount to be paid to pay the premiums of Flexible Employment Pension Insurance and Flexible Employment Medical Insurance. It should be noted that if it is a non-Changsha household registration, then you also need to apply for endowment insurance before you can apply for medical insurance;

3.You can pay the medical insurance for urban and rural residents, taking Changsha as an example, you can find the medical insurance payment entrance for urban and rural residents to pay the premium in the "Hunan Tax and Social Security" applet, or you can find the medical insurance payment entrance for urban and rural residents on the official website of the Hunan Provincial Taxation Bureau and the online banking of designated banks (such as Changsha Bank, Agricultural Bank of China, China Construction Bank, Industrial and Commercial Bank of China, Hunan Rural Commercial Bank), or you can directly bring your ID card, household registration book, and bank card to the counter of the designated bank and the smart POS machine to pay the medical insurance premium for urban and rural residents.

The procedures for medical insurance for flexible employees include:

1. Declaration and registration: Flexible employment personnel should go through the morning report and registration procedures with the original and copy of their ID cards to the Medical Insurance Bureau of Sleepy Hong City.

2. Verification and payment: The Municipal Medical Insurance Bureau shall verify and fill in the "Payment Verification Form" according to the declaration and registration of flexible employment personnel.

3. Payment procedures: Flexible employment personnel can pay directly to the tax hall of the Municipal Local Tax Collection Bureau with the "Payment Verification Form" stamped with the special seal of the Municipal Medical Insurance Bureau. The fee ticket shall be transmitted to the Municipal Labor Settlement Center by the Municipal Local Tax Collection Bureau, and the Municipal Labor Settlement Center shall be transmitted to the Municipal Medical Insurance Bureau.

The Municipal Medical Insurance Bureau regularly transmits the verification data of the payment of flexible employment personnel to the labor settlement center once a month.

What are the payment methods and benefits for flexible employees?

Payment methods include:

1. Flexible employees are subject to annual contributions.

2. The renewal personnel shall pay the medical insurance according to the corresponding month of the initial insurance and shall not interrupt the payment. If the payment is interrupted within 3 months, the payment can be made up, and a late fee of 2/1000 per day will be charged. However, during the interruption of payment, you cannot enjoy the basic medical insurance benefits; If the payment is interrupted for more than 3 months, the policy shall be deemed to be automatically surrendered, and the medical insurance benefits shall be stopped from the month of the interruption of payment.

If the insurance is re-insured after automatic surrender, it shall be implemented in accordance with the provisions of the first participation in the file insurance.

After 6 months of insurance payment, you can enjoy the basic medical insurance treatment and large medical insurance treatment paid by the social pooled medical insurance**.