What is the amount of medical insurance coverage in five insurances and one housing fund?

The sum insured is the abbreviation of the insured amount, which refers to the maximum limit of the insurer's liability for compensation or payment of insurance money. Before choosing different insurance products, many people don't know how to determine a reasonable amount of insurance, you can read this article to learn more:How much insurance is appropriate?

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The amount of insurance should be appropriate, too high or too low is not good.

1.The sum insured is too high:If the insurance rating is high, the premium will be correspondingly high, and the excessively high premium will increase the financial expenditure and become a burden on the family, which is meaningless.

2.The sum insured is too low:It is not enough to protect against the losses caused by the risk. For example, the average cost of a serious illness** is 300,000 yuan, and if you only buy insurance with an insurance amount of 100,000 yuan, the problem solved is insignificant.

Many people don't know how much to buy when buying critical illness insurance and accident insurance。How should we determine the amount of coverage for these two types of insurance? Let me explain it briefly:

1.Critical Illness Insurance:A serious illness usually costs about 300,000 yuanTherefore, I recommend that the amount of insurance should be more than 300,000 yuanIf you live in a big city, the cost of living will be higher, and the insurance amount should also be increased to 500,000 yuan.

If it is the "breadwinner" of the family, it will increase the loss of income by 3 to 5 years, which can reduce the impact of economic pressure on the family during the ** period.

2.Accident Insurance:If you don't go out often, the probability of accidents in the working environment is relatively small, and you can buy 300,000 insurance amounts; If you want to work outdoors for a long time or travel frequently, the risk of accidents is relatively large, and the amount is best set at more than 500,000Accident insurance with public transport is preferred

The sum insured is an important knowledge point that needs to be mastered before buying insurance, and these important insurance knowledge must also be understood thoroughly"Before buying insurance, you must first figure out these key knowledge points! 》Hope!

It is recommended to collect. If you need to buy medical insurance products, it is recommended that you give priority to buying millions of medical insurance, and you can enjoy the protection of millions of insurance amounts for a few hundred yuan, which is very satisfying. It also has a very comprehensive coverage, including surgery fees, anesthesia fees, hospitalization fees, examination fees, and so on.

When buying millions of medical insurance, it is far from enough to only look at the conventional content such as protection liability, **, exemption clauses, renewal clauses, etc., but also look at the "stability of sustainable insurance".

It is important to note that medical insurance can only be purchased for a short period of time, and some people may be rejected by the insurance company due to your physical condition or previous claims when they want to buy it again in the second year after the first year of purchase. Medical insurance like these has a big deficiency in renewal:Be careful!

These medical insurances! , encounter thousands of detours! 》

So what is "sustainable insurance stability"? To put it bluntly, it is whether the product will be discontinued, and no one can make an accurate judgment except for the insurance company. Generally speaking, you can refer to the following aspects:

Whether the sales volume is large, whether there are enough healthy people among the buyers, how competitive is the company, the market strategy of the insurance company in recent years, etc.

That's all for my answers, I hope it helps.

In second-tier cities, 700 is capped at 200,000.

There is no insurance amount for social security medical care, only the minimum payment line and upper limit, which are reimbursed proportionally.

There is no insured amount for social insurance medical insurance, only the minimum payment line and upper limit, and the situation varies from place to place, please consult the local social security bureau for details.

Legal analysis: five social insurance and one housing fund is mandatory by the state, based on the average monthly salary of the individual in the previous year, the company and Xiaojianwan individuals pay according to a certain proportion, so each person's five social insurance and one housing fund are not the same. Other than that, it may vary slightly from place to place.

The five insurances include: endowment insurance: 8% for individuals and 22% for units;

Medical insurance: 2% for individuals and 10% for employers;

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

Work-related injury insurance and maternity insurance: only paid by the employer, not by the individual.

One housing fund includes: Housing Provident Fund: Individuals and units pay in the same proportion, the proportion is 5-12%, which is determined by the employer.

Article 2 The State shall establish social insurance systems 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, illness, work-related injury, unemployment, childbirth, etc.

Legal analysis: The medical insurance in the five insurances and one housing fund is the medical insurance of the medical insurance card that we usually say. After getting sick, you can use your medical insurance card for medical reimbursement, and the reimbursement scope is the diseases in the medical insurance catalog, which basically covers common diseases.

Legal basis: Article 70 of the Labor Law of the People's Republic of China The State shall develop social insurance, establish a social insurance system, and establish social insurance**, so that workers can receive help and compensation in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Hello dear, glad to answer for you. Five insurances and one housing fund have medical insurance. Five insurances and one housing fund refer to the collective name of several types of guaranteed treatment given by the employer to the employee, including endowment insuranceMedical insuranceUnemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund.

1.Don't cut off your medical insurance premiums.

Generally speaking, if there is an interruption in medical insurance payment, it is best not to exceed 3 months, and it is recommended to renew the insurance in time, otherwise the medical insurance treatment will be affected.

2.Priority will be given to primary hospitals for minor illnesses.

The reimbursement ratio of primary medical institutions is increasing year by year, and medical resources are also being available.

More and more high-quality. Common diseases, frequent diseases and other minor diseases.

If you choose to be treated in a primary medical institution, the starting line of medical insurance is lower and the reimbursement ratio is higher, which is more economical and cost-effective for patients.

3.Filing for medical treatment in other places is the first to be filed.

If you need to seek medical treatment in other places due to long-term residence, work, or medical treatment, you can enjoy the corresponding medical insurance benefits if you go through the filing procedures in other places in a timely manner.

Wucong liquid hidden insurance and housing fund refers to the collective name of several types of protective treatment given by the employer to the employee, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund. So, how much is deducted from five insurances and one housing fund per month? The proportion of payment varies from place to place.

Pension insurance contribution ratio: 20% for units (all included in the overall planning**), 8% for individuals (all allocated to individual accounts).

1234 medical insurance payment infiltration ratio: 8% for units, 2% + 3 yuan for individuals;

Unemployment insurance contribution ratio: 2% for units and 1% for individuals;

Work-related injury insurance contribution ratio: the employer pays 1% for you every month, and you don't have to pay a penny yourself;

Maternity insurance payment ratio: the unit pays 1% for you every month, and you don't have to pay a penny yourself;

Provident fund payment ratio: According to the actual situation of the enterprise, choose the housing provident fund payment ratio. However, in principle, the maximum contribution shall not exceed 10% of the average salary of the employee.

Since the second half of 2010, the city has uniformly stipulated that all employers should pay 12% of their wages to the housing provident fund. Both employers and individuals are 12% of the salary.

One of them is on the right.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Hello, now ** requires any unit and enterprise to pay medical insurance for employees, according to the nature of the unit is different to pay the rate is different, the better the unit to pay, the more money you have on the medical insurance card every year. The medical insurance you pay in rural areas belongs to one of the policies benefiting farmers, and the unit pays a social security system, and their common point is that you have to pay money to the medical insurance institution every month or every year, and get the rate back on your medical insurance card, in this case, you should have two medical insurance cards, and there is no harm, but if you need medical insurance reimbursement for hospitalization, you can only choose the one with the higher reimbursement rate, and the general unit is higher than the rural area.

I wish you a happy and satisfied work.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Five insurances and one housing fund are about 1,500 yuan a month, including individual and unit payments. Provident Fund Payment: Housing Provident Fund Monthly Contribution = Employee's Average Monthly Salary Total Contribution Ratio in the Previous Year, (Note:

The individual contribution ratio and the unit contribution ratio are multiplied by the average monthly total salary and the product is added. The monthly contribution to the housing provident fund varies with the total salary. Calculation formula of five insurances and one housing fund:

Five social insurances and one housing fund payment base Five social insurance and one housing fund payment ratio The social insurance base is referred to as the social insurance base, which refers to the social insurance payment base of employees in a social security year. It is determined according to the monthly average amount of wages and salaries declared by employees from January to December of the previous year. The social insurance payment base is an important basis for calculating the social insurance premiums paid by employers and their employees, and there are upper and lower limits, and the specific amount is determined according to the actual situation of each region.

The proportion of social security payment is roughly as follows (taking Beijing as an example): endowment insurance: 21% for units and 8% for individuals; Medical insurance

10% for units and 2% for individuals; Unemployment insurance: 2% for units and 1% for individuals; Work-related injury insurance: according to the scope of the industry in which the unit is divided to determine its fuel rate work-related injury rate, between which the individual does not have to pay; Maternity Insurance:

The proportion of unit payment, individuals do not need to pay. According to the Regulations on the Administration of Housing Provident Fund, the provident fund contribution base is the average monthly salary of the employee in the previous year, which is used to calculate the contribution amount of the current year. As early as January 2005, the Ministry of Construction, the Ministry of Finance and the People's Bank of China issued the "Guiding Opinions on Several Issues in the Management of Housing Provident Fund", which stipulates that the proportion of employees and units contributing to the housing provident fund should not be less than 5%, and in principle not higher than 12%, and the monthly salary base for depositing the housing provident fund should not exceed two or three times the average monthly salary of employees in the previous year announced by the statistical department of the districted city where the employee works.

Article 2 of the Social Insurance Law of the People's Republic of China The State shall establish social insurance systems 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 law in the event of old age, illness, work-related injury, unemployment, childbirth, etc. Article 8 of the Social Insurance Law of the People's Republic of China Social insurance agencies provide social insurance services and are responsible for social insurance registration, records of individual rights and interests, payment of social insurance benefits, etc.