How much does the city medical insurance pay for now, and how much does each person have to pay for

The basic medical insurance premiums in medical insurance should be paid in full and on time by the employer and the individual employee. If the payment is not made on time and in full, the personal account will not be counted, and the basic medical insurance co-ordination** will not pay for their medical expenses. Take the proportion of medical insurance contributions in Beijing as an example:

The employer shall pay 10% of the total payment base every month, and the employee shall pay 2% of his salary + 3 yuan for serious illness.

How much does medical insurance cost a year? How much money is credited to the personal account of medical insurance each month? It will directly determine whether the insured person needs to pay cash for medical treatment and medicine.

According to the regulations, 35 years old and below will be classified as 3% of the payment base of the person; From 35 years old to 45 years old, it will be included according to the payment base of the person; From the age of 45 to the time of retirement, it shall be included according to the payment base of the person; Retired (in-service) personnel shall be included in the actual pension of their basic pension insurance in the previous month.

The personal account is used to pay for the general outpatient expenses in line with the basic medical insurance, the cost of drug purchases in designated retail pharmacies, and the expenses borne by the individual for specific items such as hospitalization and outpatient chronic disease outpatient services for employees.

Nowadays, many people have bought medical insurance, but many people don't know what medical insurance can reimburse, so you must read this:Do you really know how to use health insurance! 》

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.

Next, I will take you to know about medical insurance:

1. Type of medical insurance

Employee medical insurance and urban and rural residents' medical insurance are components of medical insurance, and employers must purchase employee medical insurance for employees after signing labor contracts with employees, but urban and rural residents can choose whether to participate in medical insurance.

2. Medical insurance costs

The cost of employee medical insurance shall be paid jointly by the employer and the employee according to a fixed proportion, while the cost of medical insurance for urban and rural residents shall be at least 250 yuan per person per year according to the regulations, and the annual payment fee shall be 250 yuan in most areas, and some developed areas will pay relatively high fees.

3. Medical insurance reimbursement

Through the employee medical insurance, you can reimburse **, outpatient, medicine, inpatient medical and other expenses, the reimbursement ratio is generally 70%-90%, and when hospitalization occurs, the medical insurance for urban and rural residents is reimbursed, and the reimbursement ratio is 50%-70%.

When going to a designated medical institution for medical treatment, the medical insurance is in a normal state, if the cost of drugs, diagnosis and treatment items and medical service facilities is within the scope of reimbursement, it can be reimbursed according to the prescribed proportion of expenses that exceed the minimum payment line and do not reach the upper limit. But in some cases, there is no way to be reimbursed through health insurance, what are the circumstances? You can read this:

"Summary of Non-reimbursement of Medical Insurance".

Summary

Medical insurance is the most basic medical security provided to us by the state, even if it is very affordable, but the protection is limited. Taking Guangdong as an example, the medical insurance for urban and rural residents can reimburse up to 300,000 yuan per year, and expenses that are not on the reimbursement list, such as targeted drugs and tumor specific drugs, are not reimbursed.

This reimbursement amount is not very useful for serious illnesses, so if you want to have a secure life, commercial medical insurance must also be configured, so that the future will be more secure. If you find it difficult to choose medical insurance, you can learn from:"Top 10 Cost-effective Million Medical Insurance".Hope!

The amount of individual social security contributions is directly related to the individual contribution base and the contribution rate, and the specific amount of payment can be determined with the staff of the local social security bureau, whether it can only be related to the local policy of medical insurance, and can be confirmed with the social security bureau.

The specific content of social security is as follows:

Endowment insurance: endowment insurance is a social insurance system in which workers receive certain economic compensation and material help and services from the society after reaching the statutory retirement age;

Recently, Li Jinghu, deputy secretary-general of the China Medical Insurance Research Association and deputy director of the Social Security Research Institute of the Ministry of Human Resources and Social Security, said that private medical institutions are treated equally, and are included in the designated scope of basic medical insurance according to certain conditions. The basic medical insurance system for urban workers is a social insurance system established to ensure the basic medical needs of employees based on the affordability of finance, enterprises and individuals.

Work-related injury insurance: Work-related injury insurance is also known as occupational injury insurance. After a worker is injured in an accident due to work reasons and in the course of work, or suffers an occupational disease caused by exposure to occupational hazards such as dust, radiation, and toxic substances, the State and society shall provide necessary material assistance to the injured or disabled person, as well as the relatives of the deceased person who supported him before his death;

Maternity insurance: Maternity insurance is based on the physiological characteristics of childbirth behavior, according to the law of maternity insurance, when working women temporarily interrupt their work and lose their normal income due to the birth of children, the material assistance provided by the state or society. Maternity insurance benefits include maternity allowance and maternity medical services.

Medical insurance is mainly divided into employee medical insurance and urban and rural residents' medical insurance, and the amount of payment is different for different types. For employee medical insurance, the payment amount = unit medical insurance payment base * payment ratio + individual medical insurance payment base * payment ratio. Under normal circumstances, the unit pays 8% and the individual pays 2%.

There is no clear regulation on how much urban and rural residents should pay for medical insurance in a year.

Answer: Medical insurance is paid on a pre-payment basis, and in most areas, the second year's fee is paid in September and October every year. The combination of individual payment and ** subsidy is paid for one year and guaranteed for one year. There is no such thing as retirement, and lifelong contributions can be guaranteed for life.

Looking back at the payment standard for resident medical insurance in 2020 and 2021, the minimum standard for the national working-age population should be no less than 280 yuan per year. On this basis, all localities can formulate payment standards according to the actual local conditions.

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

However, this year's policy has not yet **, so it is only for reference, please be patient.

This should be determined according to each person's different wages and different ages, and the general medical insurance is to pay 2 of their own salary.

Medical insurance is divided into individual payment and unit payment, and the amount that needs to be paid is different in different circumstances.

Although we can enjoy the protection of medical insurance after paying medical insurance, for us, medical insurance alone cannot provide us with comprehensive medical protection, and we need to be paired with commercial medical insurance. How to configure commercial medical insurance, dad to teach you "The correct configuration of medical insurance should be like this!" 》

Answer: Individual medical insurance is mainly divided into two types: social basic medical insurance and commercial medical insurance, due to its different types, the fees paid are also different: 1. 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. The basic social medical insurance for flexibly employed persons varies depending on the standards in different places.

2. 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.

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Payment standard: Based on the average social wage of Pyeongchang announced by the city in the previous year, the minimum standard is 60% of the average wage, the highest standard is 300% of the average wage, and the middle is %. 20% for pension insurance and 10% for medical insurance.

Taking the minimum standard as an example, the amount of individual contributions to pension insurance is: (average salary multiplied by 60%) multiplied by 20%. The amount of individual contributions to the Medicare Insurance is as follows:

Social average salary multiplied by 60%) multiplied by 10%.

For employees, the formula for calculating the medical insurance fees paid each month is as follows: individual medical insurance payment amount = individual medical insurance payment ratio * individual medical insurance payment base, it should be noted here that medical insurance payment is jointly participated by the employee and the employer, generally speaking, the medical insurance payment standard is as follows:

1. Medical insurance payment ratio: 8% for employers and 2% for individuals (standards vary from place to place);

2. Medical insurance payment base: The paying unit calculates and pays the medical insurance premiums of in-service employees according to the total amount of the monthly payment base of the individual payment of the unit. Individual payment is based on the salary and salary income of the individual income tax declared by the individual in the current month.

How much does it cost to pay for medical insurance for flexible workers every month?

1. Pension insurance premiums.

1.Contribution ratio: 18%;

2.Payment base: 2968-11128 yuan per month;

3.Payment amount: RMB per month.

2. Medical insurance premiums.

1.Contribution Ratio:;

2.Payment base: 2968 yuan per month;

3.Basic medical insurance premium: RMB; Carry the roll.

4.Critical illness medical assistance fee: 3 yuan per month;

5.Subtotal: January.

It should be reminded that the above involves relevant data and is for reference only! The medical insurance policies in different places are different, and the specific medical insurance payment standards can be combined with the types of insurance you participate in, and consult with the local social security bureau! Or call the medical insurance inquiry**: 12333!

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

In 2022, 617284 urban and rural residents in our county will participate in medical insurance, and the participation rate of the registered population will reach and the participation rate of the permanent population will reach. According to the spirit of the higher-level medical insurance policy document, the individual payment standard for resident medical insurance in 2023 is unified at 350 yuan per person, and the insurance payment period is from September 1 to December 31, 2022 in principle.

Duration of enrollment. The period from September 1, 2022 to February 28, 2023 is the centralized enrollment period. The insured person shall pay the fee during the centralized insurance period.

After paying the premiums and enrolling, they will enjoy the basic medical insurance treatment for urban and rural residents from January 1, 2023 to December 31, 2023.

After the end of the centralized insurance period, the dynamically adjusted persons in extreme poverty, orphans, urban and rural subsistence allowance recipients, monitoring targets identified by the rural revitalization department (households with unstable poverty alleviation, marginal persons vulnerable to poverty, and households with sudden serious difficulties), persons enjoying poverty alleviation policies, people who have returned to poverty and become poor, first-class and second-class disabled persons, newborns born in the same year, and employees who participate in the basic medical insurance for urban and rural residents within 3 months of the interruption of medical insurance payment can participate in the insurance according to the payment standard of the centralized insurance period, and there is no waiting period for treatment. Other personnel can participate in the insurance according to the payment standard of the centralized insurance period, and set a 3-month waiting period for treatment.

The relevant group of people pays for insurance.

1.The part of the personal payment of the extremely poor persons, orphans, and first-class and second-class disabled persons (including those who are dynamically adjusted) with household registration in this city shall be fully funded by the flag district**.

2.Urban and rural subsistence allowance recipients with household registration in the city, monitoring objects included in the rural revitalization department (unstable poverty alleviation households, marginal people prone to poverty and households with sudden serious difficulties), poverty alleviation policy personnel, and people who have returned to poverty and become poor (including dynamic adjustment personnel), the "pay first and make up later" payment mode is implemented, and the insured persons pay the individual payment part in full according to the individual payment standard, and each flag district will be subsidized according to 330 yuan per person.

3.Newborns born in the same year shall be subject to the relevant provisions of the Notice of the Ordos Beilian Medical Security Bureau on Further Implementing the Newborn Insurance Policy (E Yi Bao Fa 2021 No. 51). At the same time, in accordance with the requirements of the "Notice of the Office of the Leading Group of Ordos City on Promoting the Online Handling of the Whole Process of "One Thing" for Newborn Birth" (Ezheng Zheng Fa No. 7, 2022), we will comprehensively do a good job in the insurance of newborns.

4.In Huizheng School (in the kindergarten), students participate in insurance and pay by themselves, and the school (kindergarten) will do a good job in imitating Bisun insurance mobilization and information statistics, and will no longer collect it centrally.

5.If the insured person has multiple identities, the insurance shall be subsidized according to the principle of high level. In accordance with their job responsibilities, the relevant functional departments of each flag area are responsible for the identification of the people who pay on behalf of the people and the implementation of the subsidy insurance fees.

If it involves the dynamic adjustment of the identity of the subsidized insured personnel, the relevant functional departments of each flag district shall promptly notify the medical insurance department and implement the subsidized insurance expenses.

Medical insurance plays a great role in our lives, and if you are sick or hospitalized, you can reimburse part of the medical expenses and reduce the burden caused by medical expenses. Under normal circumstances, the employer pays a certain percentage of the medical insurance. However, there are also cases where you need to pay for health insurance as an individual.

Medical insurance plays a great role in our lives, and if you are sick or hospitalized, you can reimburse part of the medical expenses and reduce the burden caused by medical expenses. Under normal circumstances, the employer pays a certain percentage of the medical insurance. However, there are also cases where you need to pay for health insurance as an individual.

So, how much is the amount of individual contributions to Medicare? Specifically, let's take a look at the following brief introduction.

How much is the amount of individual contributions to health insurance?

Individuals who pay medical insurance can choose their own payment level for insurance. In general, the amount of medical insurance paid varies depending on the population. The details are as follows:

1. Students and children.

The overall standard for students and children to pay basic medical insurance is 100 yuan per person per year, of which students and children need to pay 20 yuan per year, a total subsidy of 12 yuan from the city and county finance, 28 yuan from the provincial government, and 40 yuan from the first financial subsidy.

2. Adult residents.

For adult residents, the overall standard of basic medical insurance is 240 yuan per person per year, of which, individual residents need to pay 160 yuan per person per year, a total subsidy of 12 yuan from the city and county finance, 28 yuan from the provincial financial subsidy, and 40 yuan from the provincial financial subsidy. If the person in the urban subsistence allowance family, the disabled person with the "Disability Certificate" and the elderly over 60 years old in the low-income family, the individual pays 100 yuan per year, the total subsidy of the city and county finance is 21 yuan, the provincial financial subsidy is 49 yuan, and the ** financial subsidy is 70 yuan.

3. Persons with severe disabilities who have completely lost the ability to work.

The individual contribution part of the first-class mentally ill person, the first-class physical disabled, multiple participants, etc.) and the "three nos" (no income**, no ability to work, no legal supporter) can be paid from the county (district) urban medical assistance fund.

To sum up, the individual contribution ratio of medical insurance will vary according to different groups of people. In the case of students and children, the annual contribution standard is 100 yuan per person, and the annual payment standard for adult residents is 240 yuan per person per year for basic medical insurance.

These are our knowledge in this area. Hopefully, this article can be helpful to you. If you want to know more about these aspects, you can also search for them online.