How much does it cost to pay for employee medical insurance in 2019

Hello answer, I have seen your question and am sorting out the answer, please wait for a while In most areas, the payment ratio of the employee medical insurance is about 8% of the total salary of the employee, and the proportion of the employee's individual payment is about 2% of the total salary of the employee. Moreover, the medical insurance for employees is paid on a monthly basis.

For example, Xiao Hei is an employee of a company, and his monthly salary is 6,000 yuan, so he needs to pay about 120 yuan for employee medical insurance every month, and his employer will also help him pay about 480 yuan per month, a total of 600 yuan, so Xiao Hei's employee medical insurance will pay 7,200 yuan a year.

Because the payment base of employee medical insurance is generally determined by the employee's own salary, if the total monthly salary of the employee exceeds 300% of the average monthly salary of the on-the-job employees in the city in the previous year, the payment shall be made according to 300% of the average monthly salary of the on-the-job employees in the city in the previous year; If the total monthly salary of the employee is less than 60% of the average monthly salary of the on-the-job employees in the city where the employee is located in the previous year, the payment shall be made according to 60% of the average monthly salary of the on-the-job employee in the city in the previous year.

Although the payment standard of medical insurance for urban and rural residents is **, it is still very different from that of urban employees. First of all, the payment of medical insurance for urban and rural residents is only once a year, without monthly payment, and secondly, the payment standards are different in various places, the minimum is only 220 yuan a year, even if the payment is high in the area of the annual payment is not much. Of course, the medical insurance payment for urban employees is high, and the reimbursement ratio and treatment are definitely better than those for urban and rural residents.

Although the payment standard of medical insurance for urban and rural residents is **, it is still very different from that of urban employees. First of all, the payment of medical insurance for urban and rural residents is only once a year, without monthly payment, and secondly, the payment standards are different in various places, the minimum is only 220 yuan a year, even if the payment is high in the area of the annual payment is not much. Of course, the medical insurance payment for urban employees is high, and the reimbursement ratio and treatment are definitely better than those for urban and rural residents.

In 2019, it depends on the individual to pay for medical insurance.

1. Social security payment standards:

The social security payment standard is formulated with reference to the local social payment base, and the local social security bureau can be consulted for details. According to the local economic development, the local social security bureaus will basically adjust the changes in the social security base every year. Under normal circumstances, employers will purchase social insurance for employees in accordance with the minimum local social security payment standards.

2. Calculation method of social security payment:

Since work-related injury insurance and maternity insurance are all paid by the employer, they can be ignored for the time being. For example, the proportion of pension insurance contributions is: 20% for units and 8% for individuals.

Extended Materials. Calculation method:

Generally, the salary income of the previous year is the payment base.

1. If the wage income of employees is higher than 300% of the average salary of local employees in the previous year, 300% of the average salary of local employees in the previous year shall be used as the payment base.

2. If the wage income of employees is lower than 60% of the average salary of local employees in the previous year, 60% of the average salary of local employees in the previous year shall be used as the payment base.

The ratio of medical insurance units to individual employees.

9% of the payment base for units and 2% for individual employees.

Tips] Different regions, the implementation of the payment ratio will be different, the accurate has been announced by the local social security bureau shall prevail. At the same time, the payment base of employee medical insurance in different provinces and cities is also different. Taking Guangzhou as an example, in 2017, the payment base of medical insurance for employees in Guangzhou was adjusted from 17,424 yuan to 18,561 yuan, and the lower limit was adjusted from 3,485 yuan to 3,712 yuan.

In addition, the payment base for flexible employees to participate in social medical insurance for employees is 60% of the average monthly salary of on-the-job employees in the city in the previous year, that is, 3,712 yuan.

The payment base of medical insurance units and individual employees.

The total monthly average salary of the employees of the previous year shall be the payment base of the employer, and the average monthly salary of the individual employee in the previous year shall be the monthly payment base.

If the monthly payment base of units and individual employees is lower than 60% of the average monthly wage of employees in the city in the previous year, 60% of the average monthly salary of employees in this city shall be used as the payment base; The part that is higher than 300% of the average monthly salary of employees in the city shall not be included in the payment base.

Generally speaking, it has two standards, the highest standard and the lowest standard. If a person's salary is between the highest and lowest standards, the contribution is based on their average monthly salary in the previous year multiplied by the contribution rate; If a person's salary is greater than the maximum standard, the contribution shall be made according to the highest standard, and the excess part shall not be paid; More importantly, if a person's salary is below the minimum standard, then they have to pay according to the minimum standard.

According to the new regulations on medical insurance issued in 2019, medical insurance is divided into three grades from high to low according to financing standards and treatment levels. The following is a list of the minimum amount that needs to be paid for each grade from high to bottom:

The first tranche: the company pays a unified payment to the employees, and the payment amount in 2019 is 3,295 yuan, of which 2,815 yuan for basic medical insurance is paid by the unit, and the remaining 480 yuan for supplementary medical insurance is paid by individuals.

The second tranche: the renewal payment of individual participation in the village or community where the household registration is located, the individual payment in 2019 is 670 yuan, including 340 yuan for basic medical insurance and 330 yuan for supplementary medical insurance.

The third tranche: the same payment method as the second tranche, but the level of treatment will be reduced. In 2019, it included 265 yuan for individual contributions, including 220 yuan for basic medical insurance and 45 yuan for supplementary medical insurance.

If you pay social security by yourself, you will pay resident social security. Resident social security is mainly aimed at children, the elderly, unemployed residents or freelancers. If you are in a city, Resident Social Security is known as Urban Resident Social Security; If you are in a rural area, the resident social security is our common NCMS.

Residents can only pay two kinds of social security, namely pension and medical care, and work-related injuries, unemployment and maternity cannot be paid. You must go to the social security bureau where your hukou is located.

Social security for urban residents.

Payment standard: the local average salary multiplied by the contribution ratio in the previous year, the pension payment ratio is 20%, and the medical care payment ratio is about 9%.

Take Xuzhou City, Jiangsu Province as an example:

The amount of basic pension insurance payment = payment base * payment ratio (20%). The minimum payment base in Xuzhou is 2,550 yuan, and the highest payment base is 15,446 yuan; The corresponding minimum monthly payment amount is 510 yuan, and the maximum payment amount is 3089 yuan, and individual insured persons can determine the payment amount between 510 yuan and 3089 yuan according to the actual situation.

The amount of basic medical insurance payment = payment base * payment ratio (11% or 6%). Insured persons can pay basic medical insurance premiums at a rate of 11%, with an amount of 281 yuan per month, and enjoy basic medical insurance treatment; You can also pay the basic medical insurance premium at a rate of 6%, the amount is 153 yuan per month, and you can enjoy the medical insurance treatment of hospitalization (including family beds), but it is not transferred to the personal account funds, and you do not enjoy the outpatient treatment paid by the outpatient co-ordination.

The addition of medical care and pension requires a monthly payment of 663 yuan - 3,370 yuan according to the actual situation of the individual.

NCMS. Health insurance.

Different provinces and cities, because of different economic levels, the 2017 NCMS medical insurance payment standards are different, and the specific amount can be called the local social security bureau **12333 for free consultation.

In Gansu Province, the individual payment standard for NCMS medical insurance in 2017 was uniformly increased to 150 yuan per person per year;

The financing standard of Qidong 2017 NCMS medical insurance is 850 yuan per capita, of which 170 yuan is paid by the participants and 680 yuan is subsidized;

Yuncheng 2017 NCMS medical insurance individual payment of 150 yuan;

The individual payment standard for Chaohu 2017 NCMS medical insurance is 150 yuan per person, and the disabled are exempt from paying personal expenses;

In 2017, the individual payment standard for NCMS medical insurance in Dalian was 150 yuan per person;

The individual payment standard for 2017 NCMS medical insurance in Yumen City is 150 yuan per person per year.

Pension insurance. Those who participate in the NCMS pension insurance shall pay the pension insurance premiums according to the regulations. The payment standard is currently set at 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan, 2000 yuan 12 grades, the provincial (autonomous region, municipal) people can increase the payment grade according to the actual situation, and the maximum payment grade standard does not exceed the annual payment amount of the local flexible employment personnel to participate in the basic pension insurance for employees.

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Adults have two choices when purchasing critical illness medical insurance: one is to purchase consumption-based critical illness medical insurance, and the other is to purchase savings-based critical illness medical insurance.

The one-year premium of consumer-based critical illness medical insurance is relatively cheap, around a few hundred yuan. The one-year premium of savings critical illness medical insurance is relatively expensive, but the later return can offset a certain amount of insurance premium. No matter what kind of critical illness medical insurance adults choose, the sum insured needs to be sufficient.

At present, the medical expenses for critical illnesses are usually 100,000 to 500,000 yuan, or even higher. Therefore, for adults, the sum insured of 200,000 yuan is barely passing. In addition, a reasonable payment method can also reduce the premium expenditure of critical illness medical insurance, it is recommended to choose annual payment, although the total amount paid may be slightly more, but each payment is less, and will not bring too much burden to the family.

The above is the answer to how much to pay for major medical insurance in 2017, I hope it will help you.

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The 2018 resident medical insurance payment standard was released: urban and rural residents participated in the 2018 resident medical insurance, with 180 yuan per person per year in the first tier and 450 yuan per person per year in the second tier. In particular, the public should be reminded to pay attention to the fact that the payment time of residents' medical insurance is closely related to the amount of payment, and the centralized payment period for urban and rural residents is from September 2017 to December.

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It is paid according to the proportion of personal salary, and the medical insurance is handled:

1.If you are an urban resident, you need to bring your ID card, the original and copy of your household registration book, and a one-inch color photo to the community neighborhood committee or social security office under the jurisdiction of the household registration to pay for registration, and you can purchase it. Rural residents can participate in rural cooperative medical care, and the village committee will generally inform you when to pay it, and it will be handled in a unified manner.

2.How can you be self-employed to participate in the insurance, you can choose to only build a co-ordination**, do not build a personal account, and pay basic medical insurance premiums according to the average monthly salary of the local previous year; You can also choose to pay 8% of the average monthly salary of the previous year in the local area and establish a personal account.

3.The cost of paying social security for your own personal dust is calculated by Genpai Hunger Yan according to the local average salary last year, and it is not the same every year. For example, if the average salary in place A is 20,000 yuan, then the pension insurance payment is 20,000 * 20% = about 4,000 years, and the medical limb is 20,000 * 10% = about 2,000 years.

In addition, the minimum and maximum levels are also stipulated, and the payment of the lowest level shall not be less than 60% of the average monthly wage of employees at the social level, and the highest level shall be 300% of the average monthly salary of employees.

4.Generally, the lowest grade is the majority. In addition, the minimum payment period of pension insurance is 180 months, that is, 15 years, medical insurance needs to pay at least 25 30 years, and you can apply for pension treatment and medical reimbursement when you reach retirement age.

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