Is it cost effective to pay employee medical insurance by yourself?

It is not cost-effective to pay the medical insurance for employees without a unit.

1. If you pay the employee medical insurance yourself, you have to bear the premium in full, so the pressure is relatively large. This is because the workplace usually bears most of the costs, while individuals only need to bear a small part of the costs.

2. Therefore, if an individual who does not have a job unit wants to pay medical insurance, it will be better to choose resident medical insurance, after all, the cost will be relatively low. However, the reimbursement ratio of employee medical insurance is higher than that of resident medical insurance. So if you only participate in resident medical insurance, there is actually not much protection.

Therefore, it is recommended that you do not take responsibility for yourself, and it will be much easier to have a work unit to help you bear it. Of course, whether it is employee medical insurance or resident medical insurance, it is more cost-effective than commercial medical insurance, after all, the premium of commercial medical insurance is often relatively high, and the older you are, the higher the premium.

3. If the personal medical insurance needs to be paid, then it is generally paid to the Human Resources and Social Security Bureau. Specifically, bring the corresponding materials to the place where the household registration is located.

The Social Security Bureau applies for payment, and for the basis of this payment, it should be noted that the general pension insurance.

At the rate of 18-28%, medical insurance is generally paid at 6-10% of the local average social wage level in the previous year. Therefore, the parties can choose the proportional payment according to their actual situation.

Extended Materials. 1. Employee medical insurance is the basic medical insurance for urban employees.

It is one of the components of China's medical insurance, which is mainly a social insurance system established to compensate workers for economic losses caused by the risk of disease, and is jointly paid by employers and individuals. After the insured person is sick and treated, the expenses can be compensated by the employee medical insurance, so as to reduce the economic risk borne by the employee due to illness.

2. Individuals are not allowed to apply for employee medical insurance, which is a social medical insurance that guarantees the basic medical rights of employees in accordance with the law, and its payment object is the existence of labor relations with the employer.

Therefore, individuals cannot apply for employee medical insurance.

At present, individuals can only be employed as flexible persons.

To participate in flexible employment medical insurance, flexible employment personnel usually refer to individual industrial and commercial households with urban household registration in the administrative area of the city.

Part-time employees who do not participate in employee medical insurance at the employer.

Employees and other people in flexible employment.

3. Social Insurance Law of the People's Republic of China.

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees 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.

Now some people don't have a job, or they don't have a work unit, but they also want to buy an employee medical insurance for themselves, and they don't know if it is cost-effective for individuals to pay employee medical insurance?

Is it cost-effective for individuals to pay employee medical insurance?

Cost-effective, although the individual pays the staff medical insurance at their own expense than the urban residents' medical insurance, but the medical insurance is mainly to protect the serious illness, the general minor illness can be afforded, once the proportion of reimbursement for serious illness is quite large, many people are born serious illness due to no insurance to make the family bankrupt, if there is a condition, it is best to buy a medical insurance. The reimbursement ratio is also much higher, the maximum annual reimbursement amount is also much higher, and there is a personal account amount refund. It is recommended to continue to pay employee medical insurance.

The personal transaction operation is as follows:

1. You can apply for social security for flexible employees in the talent center where the file is stored, or apply for resident pension medical insurance in the place of household registration, but these two social insurances do not pay maternity insurance, and the cost of giving birth to a child can only be reimbursed by medical insurance.

2. If you are affiliated with the company and can pay the five insurances, it is best to pay by the unit, and if the maternity insurance has been paid for 1 year when you give birth to a child, you can use the maternity insurance to reimburse the related expenses.

3. Relative to the company, the expenses are paid by themselves will definitely be higher than the first two, if the man has the maternity insurance, you can also use the man's reimbursement part.

How long is the length of employee medical insurance?

In order to maintain the balance of revenue and expenditure and effectively protect the level of medical treatment of retirees, all co-ordination areas have made relevant provisions on the minimum payment period for retirees to enjoy medical insurance benefits, generally ranging from 20 years to 30 years. It should be noted that the "years stipulated by the state" mentioned in this article include not only the number of years for which employees actually pay basic medical insurance premiums, but also the "deemed payment period" before employees participate in basic medical insurance.

Retirees who participate in the basic medical insurance for urban employees, when they reach the statutory retirement age, have paid contributions for 30 years for men and 25 years for women, and the actual payment period has reached 13 years, the employer and the individual will no longer pay the basic medical insurance premiums and enjoy the basic medical insurance benefits in accordance with the regulations. The cumulative payment period is composed of the deemed payment period and the actual payment period.

Whether you pay the employee medical insurance as an individual or the employee medical insurance as a unit, it is actually more cost-effective, and with this insurance, you will give yourself the best protection in the future.

It's not cost-effective, you can choose a high payment base if you want to pay, and the unit payment has the part that the unit bears, if it is passed on to the individual, in fact, there is no difference between the individual and the individual paying for it. This is just endowment insurance, other medical insurance, unit and individual payment reimbursement policies and ratios are the same, so there is no difference. Work-related injury insurance, maternity insurance, and unemployment insurance can only be paid by the unit, which is somewhat useful, but relatively speaking, it is not too big.

Not cost-effective. This is because usually the employer will bear most of the costs, while the individual only needs to bear a small part of the cost. If you pay the employee medical insurance yourself, you have to bear the premium in full, which is more stressful.

Medical insurance in social security is a large category, can continue to subdivide, urban employee medical insurance is one of them, general enterprise employees pay is employee medical insurance. The basic medical insurance for urban employees is a social insurance system established to compensate workers for economic losses due to the risk of illness, which is jointly borne by the employer and the employee.

Extended information: 1. Handling conditions.

Those who meet the application conditions can make an appointment with the application outlet or go directly to the street (town) social security card application service outlet to apply for a social security card (including student status card).

When applying, you need to bring your ID card, household registration booklet, application form (collective residents need to bring the household registration certificate issued by the police station or police station where the household registration is located) and other relevant materials.

2. Handling materials.

1. Write a complete application form for the issuance and registration of social security card;

2. Explanation of the preparations for the issuance of the security card;

3. The application field and the application file structure in the card that meet the requirements of the national unified specification (including the application field and index of local expansion);

4. The card face style is designed according to the unified requirements;

5. Measures for the management and implementation of regional social security cards;

6. Other materials required by the Ministry of Human Resources and Social Security.

3. Handling process.

1) Employees who apply for a card for the first time go to the second-generation ID card network photo studio recognized by the municipal public security organ to take a digital photo, and ask the photo studio for the "XX City Social Security Card Digital Photo Receipt", and fill in the name and ID number neatly on the receipt to facilitate the processing. Employees who have already applied for a social security card, but need to re-apply for it if it is lost, do not need to submit a digital photo receipt.

2) Enterprises that have applied for online declaration can directly apply for certification online. First of all, print the card making list, arrange the digital photo receipt of the employee who needs to make the card (this receipt is not required for the lost replacement card) according to the order of the personnel who printed the card making list and attach it to the list, and provide a copy of the employee's ID card, submit it to the card making window designated by the social security, pay the production cost, and receive the card production receipt.

3) If the online declaration is not completed, the enterprise shall submit a copy of the employee's ID card and the receipt of the digital photo of the social security card (this receipt is not required for the lost replacement card), and the receipt of the digital photo of the social security card shall be arranged in the order of the insurance report and attached to the insurance report. If you lose your social security card and need to apply for it again, you can directly fill in the "Application Form for Reissuance (Loss Report) of Social Security Card in X City".

Hello, the information you need is being sorted out non-stop and takes time, so you need to be patient and wait for the next ha.

It still depends on the situation, if you have a lot of money, then it is appropriate.

Employee medical insurance, pay a lot of fees.

But it also reimburses more.

As for the medical care of urban and rural residents, it pays less, reimburses less, and the number of years is not accumulated.

Therefore, it is still recommended to pay employee medical insurance if you are strong and have strong strength.

Dear, it's a good deal. 1. Although the payment fee for medical insurance for urban and rural residents is very low, there is no personal account for medical insurance. It should be noted that the medical insurance for urban and rural residents is paid on an annual basis, which means that if the insured does not see a doctor within one year of payment, then this year's medical insurance will end, and it is not very cost-effective to continue to pay from next year.

2. If the freelancer wants to participate in the urban employee medical insurance, then the payment base of 8% of the employee medical insurance will be paid, and the cost is relatively high. However, if you choose to participate in the medical insurance for urban employees, the insured will have a personal medical insurance account, and at the same time, part of the amount paid by the insured will be transferred to your own medical insurance account, and you can also enjoy the same treatment as the employees who have a work order. 3. Freelancers can enjoy lifelong medical insurance as long as they participate in urban employee medical insurance for 25 years.

Worthwhile. As far as freelancers are concerned, there is a big difference between participating in urban and rural residents' medical insurance and urban vocational and touring workers' medical insurance, although the cost of employee medical insurance is relatively high, but in fact, participating in employee medical insurance can enjoy more benefits, which is very cost-effective.

Medical insurance includes medical insurance for urban employees and medical insurance for urban and rural residents, and medical insurance for urban and rural residents includes basic medical insurance for urban residents and new rural cooperative medical care. According to the relevant regulations, freelancers can participate in both urban and rural residents' medical insurance and urban workers' medical insurance, all of which are based on the freelancer's personal choice.

It's not cost-effective, it's not cost-effective. If you pay the employee medical insurance yourself, you have to bear the premiums in full, and the pressure is relatively high, because usually the work unit will bear most of the costs, and the individual only needs to bear a small part of the cost. I wish you a safe and prosperous <>

Summary. Hello, if you don't have a work unit, you can't pay employee social security by yourself, and if you want to pay it yourself, you need to switch to flexible employment social security.

Hello, if you don't have a work unit, you can't pay employee social security by yourself, and if you want to pay it yourself, you need to switch to flexible employment social security.

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After paying flexible social security for ten years, do I need to buy medical insurance? Is it cost-effective to pay more than 3,000 medical insurance at the age of 48 this year?

Hello, if you have medical insurance in flexible social security, you don't need to pay separately.

What does medical insurance say, when you need to be reimbursed, it is a good deal.

Is the more than 3,000 yuan overpaid? If I have paid social security for 15 years of flexible employment, do I need to make up 10 years of medical insurance money before I can enjoy medical reimbursement after retirement?

Lifetime reimbursement after retirement?

There is no overpayment of medical insurance, and the more you pay, the more you enjoy.

Aren't women having to pay for 25 years of health insurance to enjoy it for life?

After reaching the statutory retirement age, the medical insurance payment reaches the time limit stipulated by the state, and you can enjoy lifelong reimbursement.

If the social security has been paid for 17 years and the retirement age has been reached, does the medical insurance need to be paid for 8 years to 25 years, and can I retire together to enjoy lifetime reimbursement?

No, after you retire, you can continue to pay medical insurance.

Oh! When you don't retire, you don't need to pay for medical insurance?

As long as you have paid for medical insurance for 25 years, you don't have to pay it.