The determination of the medical insurance payment base is usually related to the individual's salary income and the operating conditions of the unit. In Qingdao, the upper limit of individual payment base is 2 1207 yuan, and the lower limit is 4242 yuan. This means that if the individual's monthly salary is within this range, then the medical insurance payment base is the monthly salary. The payment base of new employees in the unit shall be capped and guaranteed according to the initial monthly salary, with reference to the average salary of employees in all-caliber urban units in the province in 202 1 year.
The role of medical insurance payment base is mainly reflected in the following aspects:
1. Determine the medical insurance expenses: The medical insurance payment base is the basis for calculating the medical insurance expenses paid by individuals and units. According to the payment base, individuals and units can determine the medical insurance premiums they need to pay.
2. Guarantee basic medical needs: The level of medical insurance payment base directly affects the level of medical insurance protection. If the payment base is too low, the level of medical insurance will be reduced, and even the basic medical needs of employees may not be met.
3. Promote fair and sustainable development: A reasonable medical insurance payment base can promote fair and sustainable development. By scientifically and reasonably determining the payment base of medical insurance, we can ensure the fair, just and sustainable development of the medical insurance system and protect the medical rights and interests of employees.
To sum up, the medical insurance payment base plays an important role in the medical insurance system, which is not only related to the individual's medical security level, but also related to the fairness, justice and sustainable development of the entire medical insurance system.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.