It depends on everyone's level of payment. The employee shall pay the medical insurance fee by the unit, the company shall bear about 6%, the individual shall bear 2%, and the part paid by the individual shall be returned to the medical insurance card. Therefore, when flexible employees pay their own medical insurance fees, whether they cash back is related to the payment standard.
Under normal circumstances, choosing to pay 6% is non-refundable, that is, the part that the company bears when the individual pays the unit. If you want to pay back the money to your account every month, you need to pay an extra fee of about 2%.
Therefore, if you want to transfer funds to the social security card every month, then when you pay social security, you should choose to pay the medical insurance expenses of employees according to the high-level medical insurance payment standard. Of course, the higher the payment level you choose, the more medical insurance fees we need to pay every month.
However, the money refunded by the general medical insurance card can only be used for outpatient service and medicine purchase. In most areas, the amount cannot be withdrawn. When you are not sick, the funds can only be put in the account, which is useless. On the contrary, the higher payment ratio brings a burden to the flexible employees with low income. Therefore, it is generally not recommended to pay more for the cash back of medical insurance cards.
To sum up, if the medical insurance is paid according to the low grade, there will be no personal account and no money will be transferred, but if the medical insurance is paid according to the high grade, there will be funds transferred to the personal account. For flexible employees, social security is paid voluntarily, so the insured can choose the payment grade that suits them according to their actual situation.
How to pay medical insurance for flexible employees
Whether paying medical insurance for employees or paying medical insurance for urban and rural residents, you must bring your original ID card to the street or township medical insurance service center where the household registration is located to register the payment account. You can't pay until you register a payment account.
Workers who pay medical insurance for employees can choose to pay monthly or yearly. Generally, the method of bank withholding is adopted, and it is necessary to sign a withholding agreement with the bank to deduct money from the personal bank account on a monthly or annual basis.
Pay medical insurance for urban and rural residents, from September 1 to February 20th 1 every year. They can choose to pay online at the bank designated by the tax department, the service hall of the local tax department or the bank hall. Rural areas can also be collected by village cadres.
2022-11-17 Answer.
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How to refund the medical insurance card for flexible employees
If the flexible employment medical insurance card chooses the second payment standard, it will be refunded every month. Medical insurance for flexible employees is generally implemented according to the payment standard announced by the local social department. Flexible employees can choose grades according to their own economic conditions. The first file generally has no personal account, that is, no funds are transferred to the medical insurance card, but the reimbursement for hospitalization due to illness is basically the same as the second file. There is no refund in the social security card, and a personal account is established in the second file, and the money is refunded to the social security card in proportion every month. The second-grade payment is almost twice as much as the first-grade payment, but according to your age, some expenses will be credited to the social security card of your personal account in proportion every month. The money in the social security card can be used for outpatient treatment, and usually go to the pharmacy to buy medicine. At present, medical insurance has not achieved national overall planning, but policies are issued by local governments, so the amount paid by medical insurance varies from place to place, the money returned to personal accounts is different, and the return methods are different. For example, the proportion of individual accounts in Hebei Province is classified according to age: those under 35 years old are classified according to 2.2% of the payment base; 35 years old (inclusive) to 45 years old (inclusive), calculated at 2.7% of the payment base; Retirement benefits from the age of 46 to medical insurance are included in 3.2% of the payment base.
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Is there a refund for the medical insurance card for flexible employees?
As long as local individuals participate in employee medical insurance and set up personal accounts, as long as they participate and pay in full and on time, they must transfer a certain amount into personal medical insurance accounts in proportion. The standard of money returned to the medical insurance card every month is as follows: 1. On-the-job employees pay their own wages as the base, and press 3 for those aged 45 and below. Including the proportion of 5%; Those over 45 years old are included in 4.2%. 2, retirees to my pension last month (in the medical insurance account of new retirees, according to the first month of retirement pension plan hair) as the base, according to the proportion of 5% plan hair. 3, flexible employment retirees after reaching the prescribed payment period, enjoy personal accounts. 4, enjoy the civil service Medicaid insured, according to the basic medical insurance personal account base of 2.5% and then included in the personal account.