How much is your own medical insurance a month, and how much does an individual pay a month for medi

In fact, most people have medical insurance, but many people don't know how much medical insurance costs every year and what it is forHow should medical insurance be used? 》

How much do individuals need to pay for social security and medical insurance? There are multiple grades of individual social security payment, generally based on the average salary of local employees in the previous year as the standard, from 60% to 300% as the payment base, you can choose the appropriate grade to pay, and the average salary of employees can consult the local social security department.

Let's get to know Medicare:

1. Type of medical insurance

Medical insurance consists of two types: employee medical insurance and urban and rural residents' medical insurance, and employers must purchase employee medical insurance for employees after signing labor contracts with employees, but the principle of urban and rural residents' medical insurance is voluntary.

2. Medical insurance costs

Employers and employees pay for employee medical insurance every month according to a fixed proportion of their total payment base, and according to the regulations on the payment of medical insurance for urban and rural residents, each person must pay at least 250 yuan per year, and in many places the annual payment fee is 250 yuan, and the cost in some developed areas will be relatively high.

3. Medical insurance reimbursement

Employee medical insurance can be reimbursed for **, outpatient, drug purchase, inpatient medical and other expenses, and the reimbursement ratio is generally 70%-90%, while when hospitalization occurs, urban and rural residents are reimbursed by medical insurance, and the reimbursement ratio is generally 50%-70%.

In the normal state of medical insurance payment, as long as the expenses incurred by drugs, diagnosis and treatment items and medical service facilities are within the scope of reimbursement, the expenses that exceed the minimum payment line and do not reach the upper limit can be reimbursed in proportion. However, in some cases, medical insurance cannot be reimbursed, what exactly will be included? Read this and you'll know:

"Those situations that cannot be reimbursed by medical insurance".

Summary

Medical insurance is the basic medical security provided by the state, even if it is cost-effective, but the content of the protection is not comprehensive. Taking Guangdong Province as an example, the maximum amount of medical insurance reimbursement for urban and rural residents is 300,000 yuan per year, and expenses such as targeted drugs and imported drugs that are not on the reimbursement list are not reimbursed.

If you unfortunately suffer from a serious illness, the role of the reimbursement amount is very limited, so if you want to have a secure life, commercial medical insurance should also be purchased, so that you can live more calmly in the future. If you don't know which medical insurance to choose, you'll know after reading this:"Top 10 Million Medical Insurance Points!

Hope!

Q: How much does it cost to pay for employee medical insurance a month? Answer: Generally, it depends on the ratio of your unit.

Q: How much do individuals need to pay for social security and medical insurance in JanuaryA: There are multiple grades for individuals to pay social security, which are generally based on the average salary of local employees in the previous year, from 60% to 300% as the payment base, you can choose the appropriate grade to pay, and the average salary of employees can consult the local social security department.

Medical insurance is now generally 250 yuan a month for individuals.

1. The cost of employee medical insurance shall be jointly paid by the employer and the employee on a monthly basis, and shall be subject to the medical insurance for urban and rural residents.

The regulations on the payment of fees are at least 250 yuan per year, and the annual payment fee in most areas is 250 yuan, and the fees in some developed areas will be higher.

2. Individual medical insurance is mainly divided into social basic medical insurance.

There are two types of commercial medical insurance, and the fees paid are different due to their different types. Among them, social basic medical insurance: divided into two forms: on-the-job employees and flexible employment.

Generally speaking, the contribution ratio of units is 10%, and individuals need to pay 2%, totaling 12%. If an employee's salary is 5,000 yuan, the medical insurance premium that the employee needs to bear is 5,000 * 2% = 100 yuan. Flexible workers.

The social basic medical insurance is different due to different local standards, and the fees paid are also different. Commercial medical insurance: the fee to be paid is determined according to the insurance company, the content of the insurance, the number of years, etc.

3. For medical insurance reimbursement, expenses such as **, outpatient, drug purchase, inpatient medical treatment and other expenses can be reimbursed by employee medical insurance, and the general reimbursement ratio is 70%-90%, while urban and rural residents' medical insurance can only reimburse the expenses incurred by hospitalization, and the general reimbursement ratio will not be less than 50%.

Extended information: 1. Medical insurance can give us the most basic medical protection, although it is cost-effective, but the scope of protection is limited. Taking Guangdong Province as an example, the maximum reimbursement amount for medical insurance for urban and rural residents is 300,000 yuan a year, like targeted drugs.

Expenses that are not on the reimbursement list, such as tumor specific drugs, are not reimbursed. If you want to have a secure life in the future, it is recommended to configure commercial medical insurance, so as to give yourself more protection.

2. Endowment insurance.

It is decided based on a payment base, for example, the payment base of our local pension insurance is 5,000 yuan. Then according to the base of 5,000 yuan, multiply by the corresponding index. For example, if you choose a 60% index, then that means 3,000 yuan and 3,000 yuan, due to freelancers.

The payment of endowment insurance is to be carried out according to 20%, so 3000 yuan is multiplied by 20%, then the monthly payment is 600 yuan, and the subsequent year's payment is 600 yuan in December, then it is 7200 yuan.

I'm honored to answer for you, the monthly cost of medical insurance is as follows; Medical insurance for urban and rural residents, according to the medical insurance payment policy for urban and rural residents issued by the National Health Insurance Administration in 2023, the medical insurance payment standard for urban and rural residents in 2023 is 960 yuan per person per year, of which 350 yuan is paid annually for individuals, and 610 yuan is exempted from annual subsidies per person at the national, provincial and municipal levels. The subsidy for the poor population and the target country for rural revitalization is 610 yuan per person, and the local ** individual payment is different, such as: subsistence allowance, extreme poverty, orphans, disabled people, unstable households out of poverty, households on the verge of poverty alleviation, etc., in accordance with local policies.

How much does medical insurance pay a month?

I'm honored to answer for you, the monthly cost of medical insurance is as follows; According to the medical insurance payment policy for urban and rural residents issued by the National Health Insurance Bureau in 2023, the medical insurance payment standard for urban and rural residents in 2023 is 960 yuan per person per year, of which 350 yuan is paid annually for individuals, and 610 yuan is exempted from annual subsidies per person at the national, provincial and municipal levels. The subsidy for the poor and the target countries for rural revitalization is 610 yuan per person, and the local ** individual sales bridge payment is different, such as: subsistence allowance, extreme poverty, orphans, disabled people, unstable households out of poverty, households on the verge of poverty alleviation, etc., in accordance with local policies.

In 2023, if the basic medical insurance for employees of flexible employment personnel is insured according to 10 payment grades, the payment rate is 480 yuan per person per month (5760 yuan per person-year), and the payment standard is 240 yuan per person per month (2880 yuan per person-year) according to 5 payment grades. (3) The medical insurance for employees of the employer shall be uniformly based on the salary base declared by the unit in the previous year, and the payment of the wage base declared by the unit shall be paid by the individual, and the individual shall pay according to the declared salary. Implement unit withholding and payment, and declare and approve payment every month.

First, if the flexible employment personnel are insured according to the 10% payment grade, the payment standard is 480 yuan per person per month (5,760 yuan per person-year), and the payment standard is 240 yuan per person per month (2,880 yuan per person-year) according to the 5% payment grade. 2. The payment standard for the basic medical insurance for employees participating in the basic medical insurance for employees receiving unemployment insurance money is 480 yuan per person per month. 3. The individual payment standard for basic medical insurance for urban and rural residents is 350 yuan per person per year.

Taking the employees of the Jiaxing employer as an example, the employer shall pay 9% of the total salary of the in-service employees of the unit as the base.

In accordance with Article 9 of the Interim Measures for Basic Medical Security in Jiaxing City, the payment base and standard:

1) If it belongs to an employer, the employer and the individual employee shall jointly pay the payment on a monthly basis. The employer shall pay 9% of the total salary of the in-service employees of the employer as the base, including: maternity insurance for employees; Individual employees shall pay 2% of the prescribed payment base;

2) Flexible employment personnel shall pay 7% of the payment base prescribed by individual employees;

3) The unemployed persons who receive unemployment insurance money participate in the basic medical insurance for employees in accordance with the regulations, and the medical insurance premiums they should pay shall be paid by the unemployment insurance**;

4) Retired (in-service) personnel who meet the provisions of these measures do not pay.

When employees (including flexibly employed persons) retire (post) in accordance with national regulations, the payment period of basic medical insurance for employees (including the deemed payment period) must be at least 25 years; The original payment period of 20 years can be transitioned into place in 5 years.

How much money can I get for retirement by buying 755 for social stay and medical insurance every month.

My monthly salary is close to 3000, and I pay more than 300 medical insurance, which is still increasing every year, the original increase is about 10%, this time it has risen to more than 300, an increase of about 5%, I consulted the medical insurance department, saying that it is calculated according to the average salary in the region according to the statistics department, I went to the day, can the statistical department believe it? I told the medical insurance department, people said this is a document regulation, what fucking bullshit.

What does the Questioner Number mean?

Legal analysis: At present, the specific amount of medical insurance paid in various regions and years in China is different, so the specific amount of the local social security department should be consulted.

Legal basis: Social Association 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, Minyan work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' rights to receive material assistance from the national family and society in the event of old age, illness, work-related injury, unemployment, childbirth, etc.