Is the medical insurance paid by the individual or the unit?

Both individuals and units can pay, and individuals can choose to pay employee medical insurance as flexible employees, or they can directly pay resident medical insurance. Individuals pay social security, the general contribution ratio is 20%, and then refer to the local average salary and the payment level provided by the social security department. The lowest grade is 60% and the highest grade is 300%.

The unit pays social security, the proportion of payment is part of the company, part of the individual, the pension insurance is 20% of the unit for you every month, and you pay 8%; The medical insurance is 9% for you every month, and you pay 2% by yourself, plus 10 yuan for serious illness co-ordination.

1, each place to pay is different, but the method is basically the same as upstairs, the difference is that you should pay 100 yuan, you pay 80 yourself, the unit pays 20, that is the part of the company that 20 to bear this additional expenditure, if you pay 100, enjoy the same treatment.

As long as you go to work in a company, the company must apply for medical insurance for you within 30 days from the date of employment.

However, the medical insurance for flexible employees and the medical insurance for residents paid by themselves are different, which are purely voluntary and not compulsory.

Difference 2: Payment.

1. The time of payment is different.

Urban employee medical insurance: The company must pay on time every month, which is generally the responsibility of the personnel commissioner, and it will be reflected in your salary slip.

And the medical insurance paid by yourself is paid on an annual basis:

The medical insurance for flexible employees is generally from the end of the current year to the beginning of the second year (the specific time depends on the official notice);

Medical insurance for urban and rural residents is generally paid from September to December each year.

If there is a unit, the unit will pay, no unit will look at your hukou, the agricultural hukou will pay the NCMS, the non-agricultural household will pay the medical insurance as a freelancer, and the reimbursement ratio of the medical insurance paid by the individual is less than that paid by the unit, I hope it can help you.

If you don't have a unit or the unit doesn't pay you medical insurance, then the medical insurance is paid by individuals, and if your unit gives you normal handling. The corresponding social security and medical insurance are paid entirely by the unit. Therefore, it depends on whether you have a unit or not, and whether the unit pays social security to you.

Under the premise of normal payment of social security, all kinds of insurance, including endowment insurance, especially medical insurance, should be paid by the unit.

The money in the medical insurance card includes the part paid by the individual, the part of the enterprise payment that is proportionally transferred to the personal account, and the bank interest.

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.

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.

The employer will pay five insurances to employees, including medical insurance.

The social security payment is the choice of Yigongjia, which is supported by cities across the country.

What is the difference between units and individuals paying social security?

What is the biggest difference between the social security paid by the unit and the social security paid by the individual? So on this issue, the biggest difference between individual social security payment and unit social security payment is that the enterprise unit pays social security, so it is the enterprise unit and the individual who jointly bear the social security payment. And the individual only needs to bear a small part of the payment ratio, about 1 3, then the enterprise unit needs to bear a larger part of the payment ratio, about 2 3.

Therefore, if the enterprise unit comes to pay the fee, then the payment borne by itself is relatively low. It is we who pay employee pension insurance and employee medical insurance in accordance with flexible employment, so the corresponding payment standard will be relatively high, why? Because we personally need to bear the full payment ratio, because there is no enterprise unit to bear the corresponding payment ratio for you, so we need to bear all the payment ratios in full independently.

Then it is obvious that the amount borne by this part of the group of people who pay their own contributions is relatively high, which is one aspect, and the other aspect is the proportion borne by themselves, whether it is according to the pension insurance 20% to pay, or according to the medical insurance 4% to pay, then the total amount of payment is obviously to exceed the enterprise incumbents, to bear the pension insurance and medical insurance, the total will not exceed 10% of the contribution rate.

Therefore, according to the way of flexible employment, the cost borne by individuals will be higher, with a set of popular data can show this problem, if you are an in-service employee of the enterprise, according to the minimum standard to pay, you may deduct social security pension insurance and medical insurance every month, that is, about 350 yuan. Then it's only about 4,200 yuan a year. For example, this is only the cost borne by us, of course, we do not have to bear the cost borne by the enterprise unit, so we do not need to count.

Personal medical insurance is mainly for people who do not have jobs, low-income households, students and children; The unit medical insurance is for people who have jobs or flexible employment, as well as individual industrial and commercial households.

Individual medical insurance is paid by the individual, and the financial subsidy is subsidized, and the amount of general financial subsidy is much more than that paid by the individual; The cost of medical insurance for the unit is borne by the unit and the individual, and the general proportion is 8% for the unit and 2% for the individual.

3. The payment standard method is different

Individual medical insurance is paid on an annual basis, there is a levy period, generally the next year's fee is paid in September to December each year, if you do not pay within the levy period, there will be a waiting period, during this period can not enjoy medical insurance. Unit medical insurance is paid on a monthly basis, generally stipulated that the payment is made before the number of each month, if the payment is overdue, there will be a late fee, and the medical expenses incurred during the unpaid period will not be reimbursed, and can only be reimbursed after payment.

4. Enjoy different treatments

The contribution of individual medical insurance is low, so the treatment is low, and the reimbursement ratio is about 45%-65%. The unit medical insurance is paid on time every month, and the treatment is higher, and the reimbursement ratio is about 70%-90%.

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The proportion of individual payment will be larger, of course, the cost will be higher, and the proportion of individuals paid by the unit is relatively small, and the cost is relatively low, and the medical insurance treatment enjoyed by the two is the same.

The difference between individual payment and unit payment of medical insurance is that individual payment is to pay all personal insurance, if it is paid by the unit, you and the unit pay 50% each.

Personal payment is completely paid by you alone, if there is a unit, you and the unit jointly pay for you, naturally it is better to have a unit.

Since you have been assigned to the unit (state-owned enterprises), pension insurance, medical insurance and other social security are paid by the unit, you only need to pay the pension insurance and medical insurance individual payment part of the money, and this money is deducted by the unit from your salary every month and the unit payment part of the money combined to the local social security center, note, you only need to pay a small part of the money, such as: endowment insurance, the total payment is 28% of the payment base, 20% of the unit payment, 8% of the individual payment, Because the time to be allocated is relatively short, there is no need to go through the payment procedures for the manuscript and the old man, and the unit can make up the payment after waiting for the unit to report.

The difference between individual medical insurance and unit medical insurance mainly includes four aspects:

1. The payment conditions are different for different objects. The applicable group of employee medical insurance is the employees of all urban employers, including the employees of government agencies, enterprises, institutions and other units; Resident medical insurance covers both urban and rural residents.

2. Payment amount: personal medical insurance shall be borne by the individual, on an annual basis; The medical insurance of the unit shall be borne by both the unit and the individual, and the payment shall be made on a monthly basis. The cost of employee medical insurance is paid monthly by the employer and the individual employee according to a certain proportion; However, resident medical insurance is generally paid once a year.

3. Reimbursement ratio: Resident medical premiums are lower, treatment is lower, and reimbursement ratio is also lower: unit expenses are higher, treatment is higher, and reimbursement ratio is higher.

4. Medical insurance treatment: personal medical insurance is paid annually, there is no retirement statement, and some need to pay evenly; Employer medical insurance can retire. The medical insurance treatment for urban and rural residents is lower than that of urban employees, and the reimbursement ratio of resident medical insurance is 50% to 70%, while the reimbursement ratio of employee medical insurance is 70% to 85%.

In addition, after understanding the difference between the proportion of individuals and units paying medical insurance, we also need to pay attention to the fact that when the insured person seeks medical treatment in the designated hospital of medical insurance, he can directly show his medical insurance card, and at the time of checkout, he can pay part of the medical expenses by the medical insurance card, and the individual bears part of the medical expenses. Finally, there is another point to remind everyone that a person who participates in social medical insurance in his name generally needs to pay for half a year before he can enjoy medical insurance benefits.

To sum up, the difference between the proportion of units and individuals paying medical insurance lies in the different payment ratios, different types of insurance paid, and different payment bases. Therefore, when reimbursing, we must see that the payment is made in the name of an individual, and there is still a unit and an individual to bear it.

Legal basis

Social Security Law of the People's Republic of China

Article 27 Individuals who participate in the basic medical insurance for employees who reach the fixed retirement age and whose accumulated expenses reach the number of years prescribed by the State shall no longer pay the basic medical insurance examination fees after retirement, and shall enjoy the basic medical insurance benefits in accordance with the provisions of the State; If it is reached, it can be paid until the number of years specified by the state.

There are two main types of social security: social security for urban employees and social security for urban and rural residents. If it is an in-service employee, then the unit will usually pay social security for urban employees for us. Individuals who do not have a unit can choose to pay social security for urban employees or urban and rural residents.

1. There are different types of insurance that can be insured.

In-service employees can only participate in employee social security, including five insurances, namely endowment insurance, medical insurance, maternity insurance, work-related injury insurance and unemployment insurance, which are very comprehensive; The situation of individual participation in social security is relatively complex.

1. To participate in the social security of urban employees as an individual flexible employment, they can usually only participate in the employee pension insurance and employee medical insurance, which are subject to local regulations.

2. To participate in the social security of urban and rural residents as an individual, you can only participate in two types of insurance, resident pension insurance and resident medical insurance.

3. Individuals who find qualified units to pay social security on behalf of them can participate in social security for urban employees, and participate in endowment insurance, medical insurance, work-related injury insurance, maternity insurance and unemployment insurance in accordance with national requirements.

Second, the insured population is different.

1. Social security for urban workers is for two kinds of people, one is the employees of the unit with work, which has nothing to do with whether there is a local household registration, whether it is an urban household registration or a rural household registration. The other is self-employed and flexibly employed, that is, the working-age population without a fixed unit and a stable income, who usually need to have a local household registration in order to participate in social security in this way.

2. Social security for urban and rural residents is mainly for people who do not have jobs, including the elderly and children. Generally speaking, those who do not have a local household registration cannot participate in social security for urban and rural residents.

3. The payment standards are different.

1. Insured persons of social security units for urban employees: social security fees shall be paid jointly by units and individuals. Taking Beijing as an example, the monthly contribution ratio of endowment insurance is 20% for units and 8% for individuals; The proportion of medical insurance payment is 10% for units, 2% + 3 yuan for individuals; The proportion of unemployment insurance contributions is 1% for units and individuals; Work-related injury insurance and maternity insurance are only paid by employers, not individuals.

2. The social security unit of urban employees pays the insured: as in the previous way, the five insurances are insured, and the costs are all borne by the individual.

3. Insured persons with flexible employment of urban employees: all social security expenses are borne by individuals, and they can voluntarily participate in insurance, and the proportion of pension insurance contributions borne by individuals is 20%, and the proportion of medical insurance contributions is 10%. It is worth mentioning that eligible flexible employment personnel in some areas can enjoy the 4050 social security subsidy.

4. Social security participants of urban and rural residents: they can voluntarily participate in the insurance, pay on an annual basis, and the expenses are borne by individuals, and they can choose their own payment stalls.

Summary. Kiss. Hello!

The reimbursement ratio of medical insurance paid by individuals is different from that of medical insurance paid by units, mainly because of the difference between individual social security payment and social security payment by work and unit, the main differences are: 1. The proportion of payment is different, and the proportion of pure individual payment is higher than that of common payment. 2. There are different types of insurance to be paid, and there are only two insurances for pure individual payment, two kinds of pension and medical care, and when they are paid together, they are five insurances and one housing fund, and the unit bears a larger proportion.

3. The base is different, and the individual payment can be less than one grade, and the company is based on your average annual salary in the previous year as the payment base (according to laws and regulations), and there should be no difference in medical insurance reimbursement.

Kiss. Hello! The reimbursement ratio of medical insurance paid by individuals and medical insurance paid by units is different, mainly because of the difference between individual social security payment and social security payment by work and unit, the main differences are:

1. The proportion of payment is different, and the proportion of pure individual payment is higher than that of joint payment. 2. There are different types of insurance to be paid, and there are only two insurances for pure individual payment, two kinds of pension and medical care, and when they are paid together, they are five insurances and one housing fund, and the unit bears a larger proportion. 3. The base is different, and the individual payment can be less than one grade, and the company is based on your average annual salary in the previous year as the payment base (according to laws and regulations), and there should be no difference in medical insurance reimbursement.

Kiss. Hello! The difference between individual medical insurance and unit medical insurance mainly includes four aspects:

1. The payment conditions are different for different objects. 2. Payment amount:

Individual medical insurance is borne by the individual and paid annually; The medical insurance of the unit is jointly borne by the unit and the individual, and the payment is made on a monthly basis. 3. Reimbursement ratio: Residents' medical insurance payment is low, the treatment is low, and the reimbursement ratio is also low; The unit payment cost is higher, the treatment is higher, and the reimbursement ratio is higher.

4. Medical insurance treatment: personal medical insurance is paid annually, and there is no retirement statement;