How to pay for individual medical insurance and how to pay for personal medical insurance

Personal Medical Insurance Payment Law:Individuals who pay medical insurance need to bring their valid personal identity documents, household registration books and a number of personal ** to the local community street social security service point, or the district and county social security bureau, labor and social security bureau, according to the local average social wage of the previous year as the base, pay the prescribed proportion to complete the payment of medical insurance.

Individuals pay for health insuranceYou can choose to participate in the employee medical insurance as a self-employed person, or you can choose to participate in the medical insurance for urban and rural residents. For the first time to participate in the employee medical insurance for individual flexible employment personnel, the insurance conditions are: first, men should be under the age of 60, women should be under the age of 55, second, foreign household registration needs to hold a local residence certificate and have participated in the basic pension insurance for employees of Daqing enterprises and pay on time, and third, they do not suffer from major diseases and have not completely or mostly lost their ability to work.

How much to pay for social security self-payment by an individual without a unit depends on the base of the local social security bureau, please consult the local social security bureau for details.

Social Security Self-Payment:

1. If you are an urban resident, you can take your ID card, household registration book, unemployment certificate, digital ** receipt, and bank passbook to the social security bureau where your household registration is located to apply for social security self-payment and payment of endowment insurance and medical insurance.

2. If you are not an urban resident, you cannot apply for social security self-payment, and you can only participate in social security through the employment unit.

3. If you are an agricultural registered population, you can apply to the village committee or community neighborhood committee of the place of household registration to purchase a new type of rural endowment insurance and medical insurance.

The individual payment method of medical insurance is as follows:

1. The insured person should bring his ID card, unemployment certificate and 2 1-inch ** to the business window of the local social security center;

2. After the review of the social security institution, the pension insurance procedures will be handled for participation;

3. After completing the endowment insurance procedures, bring the relevant materials to the business window of the local medical insurance center to apply for medical insurance.

Legal basisArticle 57 of the Social Insurance Law of the People's Republic of China.

The employer shall, within 30 days from the date of establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within 15 days from the date of receipt of the application, examine and issue a social insurance registration certificate.

If there is a change in the social insurance registration items of the employer or the termination of the social insurance registration by the employer in accordance with the law, it shall, within 30 days from the date of the change or termination, go to the social insurance agency to change or cancel the social insurance registration.

The departments for market regulation, civil affairs, and the establishment and management organs shall promptly notify the social insurance handling bodies of the establishment and termination of the employers, and the public security organs shall promptly notify the social insurance handling bodies of the births, deaths, and registration, relocation, and cancellation of household registrations.

What are the ways to apply for medical insurance cards?

1. The insured person should bring his or her valid documents to the neighboring district and county medical insurance center to apply for it, and the district and county medical insurance center will complete the application on the spot;

2. The insured can also apply for it on behalf of the nearby street medical insurance service point;

3. The insured can entrust others to handle it on his behalf. The entrusted person shall bring the valid documents of himself and the insured person when handling the application;

4. When the employer handles the application in a centralized manner, it can go to the district and county medical insurance center to which it belongs with the letter of introduction of the unit and the valid certificate of the person in charge, and then the employer will issue the medical insurance card to the insured.

There are two forms of calculation of how individuals contribute to social security:

First, it is paid by the unit. That is, the unit and the individual pay together, so that the unit pays a part, and the individual pays a part, according to the average monthly salary income of the individual in the previous year, according to a certain proportion. The individual part will pay 8% of the individual's average monthly salary in the previous year to pension insurance, 2% to medical insurance, and unemployment insurance.

The other is for individuals to contribute to social security as freelancers. According to the prescribed payment base ((hundreds to thousands, each local has its own regulations), according to a certain proportion of payment, different local regulations, the general pension insurance in the proportion of 18-28% of the payment, medical insurance is generally paid according to the local average social wage level of 6-10% in the previous year.

Of course, if you work and live in a place that is not your household registration, and you are not an office worker, and you want to pay social security, you can find a more reliable social security payment agency online to help you pay.

Legal Analysis:1Pay to the Social Security Bureau.

2.Pay online.

Legal basis: Article 23 of the Social Insurance Law of the People's Republic of China 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 in the employer, and other flexibly employed persons may 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.

The process of individual medical insurance payment is as follows:

1. Individuals can pay as freelancers, and the condition for participating in the insurance is that the individual has an urban household registration or a rural to non-rural household registration, as long as these two conditions are met, they can pay personal pension insurance and medical insurance in the local social security department;

2. If you want to pay social security, you need to go to the social security service point of the local community street, or the labor and social security bureau of the social security bureau at the district and county level to handle the relevant business;

1) Including the individual's household register;

2) ID card, copy of ID card;

3) One inch of repentance or a number of pieces, etc.

4. The payment standard of individuals is based on the average salary of local social security in the previous year, of which the contribution ratio of endowment insurance is 20%, and the contribution ratio of medical insurance is 9%.

The significance of individual social security payment is as follows:

1. Simply speaking, social security is the basic guarantee to protect citizens after retirement, illness, work-related injury, loss of working ability, and unemployment;

2. Endowment insurance allows the parties to have a basic pension after retirement and spend their old age without the ability to work;

3. Medical insurance can allow the parties to have basic medical security after joining the social security, and can reimburse most of the medical expenses;

4. Maternity insurance is paid by the employer and does not need to be borne by the individual. After you are pregnant and give birth, you can receive a certain amount of maternity compensation;

5. Work-related injury insurance is also paid by the unit, and you can apply for compensation in case of work-related accidents.

Legal basisArticle 12 of the Social Insurance Law of the People's Republic of China.

The employer shall pay the basic endowment insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic endowment insurance plan**.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

Legal analysis: The Social Security Law stipulates that the payment methods for individuals to pay for medical insurance are:

1.Pay at your own bank;

2.Pay in the form of a discrepancy bill or cash at the social insurance agency;

3.Other ways agreed with the social insurance agency.

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 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 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.

Approved.

Legal analysis: 1. After logging in to the Municipal Local Taxation Bureau**, enter the "self-service payment" module through the "Online Tax (Fee) Office", and use the two transfer methods of "bank tax transfer" or "online banking" to complete the payment. 2. If you use "Silver Tax Transfer", you must pay through your real-name account.

With "Internet Banking", you can pay bills from your own account or someone else's account. 3. After the self-service payment is successful, the medical insurance center, the municipal local taxation bureau and the handling bank will carry out electronic data registration, and the insured can inquire about the payment of medical insurance in real time and print the payment record. If you need proof of payment, you can go directly to the tax office of the nearest local taxation bureau.

The Medical Insurance Law is a general term for the legal norms that regulate the rights and obligations between the parties to the medical insurance system.

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

Article 4 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 into the records of payment and personal rights and interests, and to request the 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.

Article 11. The basic endowment insurance implements a combination of social pooling and individual accounts. The basic endowment insurance is composed of employer and individual contributions, as well as subsidies.

Article 13. Before the employees of state-owned enterprises and public institutions participate in the basic endowment insurance, the basic endowment insurance premiums that should be paid during the deemed payment period shall be borne by the first. When the basic endowment insurance is insufficient, it will be subsidized.

How to pay for employee medical insurance?

1. Individuals who pay employee medical insurance can go to the local social security center to apply for flexible employment and pay employee medical insurance.

2. Taking Zhengzhou as an example, according to Article 9 of the Measures for Basic Medical Insurance for Employees in Zhengzhou, flexible employees shall pay medical insurance premiums based on 80% of the average monthly salary of on-the-job employees in the city in the previous year, and the payment rate is 10%.

3. Article 14 The employer and its employees shall pay the full amount in the current month, and the insured persons shall enjoy the benefits of employee medical insurance in the following month. As a flexible employee, he or she shall participate in the employee medical insurance for the first time, and enjoy the employee medical treatment according to the regulations after paying the premium for 3 consecutive months. with the employer.

Insured employees who have terminated their labor relations or insured persons who have received unemployment insurance benefits can participate in employee medical insurance as flexible employees and enjoy employee medical insurance benefits from the month following the payment of premiums.