Specifically, the differences between the first and second grades of employee medical insurance in Chongqing are as follows:
1, payment standard:
The first file of medical insurance: the payment ratio is 8.2% (base+land supplement), of which the unit pays 6.2% and the individual pays 2%. Pay RMB 59.84 per month, of which RMB 14.96 is paid by individuals and RMB 44.88 is paid by units.
2, general outpatient treatment:
The first file of medical insurance: the personal account is used to pay the medical expenses within the scope of the insured's general outpatient medical insurance catalogue. Community health center basic medical expenses personal account to pay 70%, the overall fund to pay 30% in accordance with the provisions.
The first file of medical insurance: if it belongs to Class A drugs and Class B drugs, it will be paid by the community outpatient co-ordination fund according to the proportion of 80% and 60% respectively; 90% of the single diagnosis and treatment or medical materials belonging to the medical insurance catalogue shall be paid by the community outpatient co-ordination fund, but the maximum payment amount shall not exceed 120 yuan;
The total outpatient medical expenses paid by the community outpatient co-ordination fund to each second-class insured person in a medical insurance year shall not exceed 1000 yuan. 3, personal account family * * * economy:
The first file of medical insurance: the accumulated amount of personal account exceeds 5% of the average salary of employees in this city in the previous year, and the excess can be purchased in the designated pharmacies of over-the-counter drugs within the scope of medical insurance catalogue; You can pay the basic medical expenses, local supplementary medical expenses, health examination expenses and vaccination expenses for yourself, your spouse and immediate family members to participate in the basic medical insurance in this city. Second grade of medical insurance: none.
legal ground
People's Republic of China (PRC) social insurance law
Article 25 The state establishes and improves the basic medical insurance system for urban residents.
The basic medical insurance for urban residents combines individual contributions with government subsidies.
People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.