How to calculate the late fee for domestic medical insurance

According to Article 86 of the Social Insurance Law of the People's Republic of China, if an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up the amount within a time limit, and impose a late payment penalty of 5/10,000 per day from the date of non-payment; If the payment is still not made within the time limit, the relevant administrative department shall impose a fine of not less than one time but not more than three times the amount owed.

The rules and methods for calculating late fees are as follows:

Calculation rules for late fees: monthly social insurance premiums payable 5/10,000 days of arrears = late fees (rounded to two decimal places);

Calculation method of late fee days: Late fee calculation end date - Late fee calculation start date + 1;

Calculation date of late fee: from the first day of the second month of the settlement date;

Late payment penalty calculation date: The day before the generation date of the retroactive payment of the production return.

The community medical insurance you are talking about should be the medical insurance for urban residents.

The payment method of medical insurance for urban residents is the state and individuals, and the premium of the following year is paid in the current year. There is no such thing as late fees.

The late payment penalty of 2792 you mentioned should be calculated by the medical insurance collection agency (such as local tax) for state organs, institutions, social organizations, and enterprises that fail to pay medical insurance premiums in full according to law, and when the insurance premiums are in arrears, they will be charged an additional 2% per day for the arrears period according to the regulations. I probably calculated that it was about 2700.

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

Legal Analysis: Late fees are paid because of non-payment of health insurance premiums.

Before the 25th of each month, if the payment is delayed, an additional 2 late fees will be charged per day from the date of non-payment.

It can be paid in a lump sum for one month, one quarter, six months or one year. If the payment is made on a quarterly or annual basis, the payment shall be made from the beginning of the quarter or the beginning of the year. If they are unable to pay for the time being, they shall apply for a deferred payment, and the deferred payment shall not exceed 2 months.

According to the feedback from the financial management department on the payment of medical insurance premiums, the collection department of the medical insurance institution shall issue the "Social Insurance Premium Reminder Notice" to the insured units that have not paid the medical insurance premiums in full or in time after the declaration.

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

Article 1: This Law is formulated on the basis of the Constitution so as to regulate social insurance relations, to preserve the lawful rights and interests of citizens to participate in social insurance and enjoy social insurance benefits, to enable citizens to share the fruits of development, and to promote social harmony and stability.

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 law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Article 3: The social insurance system adheres to the principles of wide coverage, basic protection, multi-level, and sustainability, and the level of social insurance shall be commensurate with the level of economic and social development.

Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with 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.

Summary. The late payment fee for medical insurance is calculated from the date when the employer fails to pay on time until the day when the payment starts again.

How to calculate the late fee for medical insurance.

The late payment fee for medical insurance is calculated from the date when the employer fails to pay on time until the day when the payment starts again.

For example, our unit pays 20,000 yuan per month, and how much late fee do we need to pay for employee medical insurance for 20 days overdue?

Good. For the new outstanding social insurance premiums of the employer, a late fee of 5/10,000 will be charged on a daily basis according to the amount of the outstanding social insurance premiums from the date of non-payment to the day before the employer successfully declares the supplementary payment.

So it should be 200.

So it should be 200.

Legal Analysis: In practice, many of us may come across issues such as late payment fees for medical insurance, but because we don't know much about them, many things are not very clear. It is counted from the date on which the employer fails to pay on time until the day when the payment is restarted.

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

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 ensure 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, and so forth.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance ** payment.