In Dongguan individual how to buy pension insurance and medical insurance?

This is some of the provisions of the social security you look at it

Three insurance is the most basic social insurance; including: pension insurance, medical insurance, unemployment insurance

Three insurance belongs to the social insurance, and now is usually said to be "five insurance and one gold", the specific five insurance that is: old age insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; a gold that is: housing provident fund.

Paying three insurance is the national social security policy, any employer should be insured for employees. As long as you sign a labor contract with your employer, it should insure you.

But the three insurance is not entirely paid by your unit, but by yourself and the unit **** with the payment. According to the employee's salary, the ratio of unit and personal responsibility is generally: 20% for the unit and 8% for the individual for pension insurance; 6% for the unit and 2% for the individual for medical insurance; and 2% for the unit and 1% for the individual for unemployment insurance.

The pension insurance is mainly to receive pension after retirement in the future, in order to prevent the dismal life in old age.

Medical insurance is mainly when you are sick and hospitalized, the unit can be reimbursed about 50% of the cost, is also very important. Workers' compensation insurance is more understandable.

And five insurance and one gold, how the enterprise to the employee insurance

About five insurance and one gold:

Which the pension insurance, medical insurance and unemployment insurance, these three kinds of insurance is by the enterprise and the individual *** with the payment of the premiums, industrial injury insurance and maternity insurance is completely borne by the enterprise. Individuals do not need to pay. It is important to note that the "five insurance" is legal, while the "one gold" is not legal.

What are the contribution rates for the five insurance policies and one pension?

At present, the contribution ratio for pension insurance in Beijing is 20% for the unit (of which 17% is allocated to the overall fund and 3% to the individual account) and 8% for the individual (all allocated to the individual account); the contribution ratio for medical insurance is 10% for the unit and 2% + 3 yuan for the individual;

The contribution ratio for unemployment insurance is 1.5% for the unit and 0.5% for the individual; and the contribution ratio for work-related injuries is determined according to the industry in which the unit is categorized. range to determine its injury rate; maternity insurance contribution ratio: unit 0.8%, individuals do not pay.

Provident fund contribution ratio: according to the actual situation of the enterprise, choose the housing provident fund contribution ratio. However, in principle, the maximum contribution shall not exceed 10% of 300% of the average salary of the employees in Beijing.

(Co-ordinated fund that is: national co-ordination is needed in the process of the gradual transformation of the pension insurance system from a state-unit system to a state-society system, in order to solve the problems of unbalanced economic development and the aging of the population.

(1) the establishment of a social co-ordination fund based on contributions from enterprises; (2) the establishment of individual accounts based on contributions from employees and enterprises; (3) the government bears the administrative costs of the pension insurance fund. This semi-fund system combining social co-ordination and individual accounts is conducive to coping with the crisis of China's aging population, gradually spreading out the cost of transition from the old to the new system, and gradually realizing the transformation from an enterprise-based pension insurance system to an individual-based pension insurance system).

The amount of contribution for the four insurance policies is different in each region, and the base is based on the gross salary. Some enterprises have a basic salary and some related subsidies at the time of payment, but some enterprises pay only the basic salary, which is against the law. The specific ratio to the local labor department to consult.

About the pension insurance, unemployment insurance and medical insurance draw, is in the case of legal permission to receive, by the establishment of the insurance registration department to issue, for example, "pension insurance, to reach the age of legal can, unemployment insurance benefits to receive is also to have the conditions, for example, you go to the household location of the street office for the certificate of unemployment, and at the same time do the The job seeker's license means that you must have the will to look for a job after you become unemployed, and only under such conditions can you receive it.

If you don't want to work after you lose your job, then you can't be paid insurance benefits. Also, you can't get the pension and unemployment benefits at the same time.

"Are you entitled to insurance during the trial period?

There should be insurance coverage during the probationary period because the probationary period is an integral part of the contractual period; it is not isolated from the contractual period. So you should be insured during the probationary period as well. In addition, the enterprise to the employee insurance is a legal obligation, does not depend on the parties concerned or voluntary or not, even if the employee said do not need to pay insurance, and commercial insurance can not replace the social insurance.

Enjoyment of pension insurance

Accumulated payment of pension insurance for more than 15 years, and reached the legal retirement age, you can enjoy the pension insurance treatment:

1. Receive the basic pension according to the regulations on a monthly basis, until death.

The formula for calculating the basic pension is as follows:

Basic pension = basic pension + individual account pension + transitional pension = average monthly salary of the city's employees in the year before retirement × 20% (15% for those who have contributed for less than 15 years) + principal and interest on the individual account and ÷ 120 + indexed average monthly salary for contributions × years of contributions before the end of 1997 × 1.4%.

2, death treatment. (1) funeral expenses (2) one-time pension (3) living hardship allowance for immediate family members eligible for support, paid monthly until the death of the immediate family member to be supported.

Note: Pension insurance should be paid continuously as far as possible. According to the relevant documents, where an enterprise or an insured person pays basic pension insurance premiums intermittently (except for unemployed persons during the period when they receive unemployment insurance premiums or those who do not pay the premiums in accordance with the relevant regulations), and the insured person complies with the old-age pension conditions stipulated by the state, when calculating the basic pension, the base of its calculation of the basic pension shall be calculated according to the cumulative intermittent contribution time (The cumulative interrupted contribution time is calculated as one interrupted contribution year for every 12 months, and is not calculated for less than 12 months.)

For example:

If you retire in 2020, your basic pension will be the 2019 average social wage × 20%, but if you have interrupted your pension insurance for 30 months before retirement, the base pension will be calculated according to the average social wage × 20%. Before the pension insurance was interrupted for 30 months, that is, it was interrupted for 2.5 years, according to the calculation of 2 years, your basic pension is the average social salary in 2017 × 20%

Enjoyment of medical insurance

1, outpatient and emergency medical expenses

Medical expenses within the year of the active employee (January 1-December 31) in line with the scope of the provisions of the basic medical insurance Accumulation of more than 2,000 yuan part;

2, settlement ratio:

contract period of the dispatched staff of more than 2,000 yuan part of the reimbursement of 50%, the individual out-of-pocket payment of 50%;

in an annual cumulative total of outpatient, emergency reimbursement of the dispatched staff to pay the maximum amount of 20,000 yuan.

3, the participants should properly keep the outpatient medical bills (including receipts for the part below the large amount, prescription base, etc.) of the outpatient consultation in the designated hospitals as the vouchers for reimbursement of medical expenses;

4, outpatient consultation for three kinds of special illnesses: the participants suffering from malignant tumors radiation therapy and chemotherapy, renal dialysis, kidney transplantation and taking antirejection medicines need to be in the outpatient consultation when the participant is consulted by the The second and third level designated hospitals will issue "disease diagnosis certificates" and fill in the "Beijing Medical Insurance Special Disease Declaration and Approval Form", and report it to the district medical insurance center for approval and filing. The outpatient medical treatment and medicine collection for these three special diseases are limited to the approved designated hospitals, and cannot be purchased at designated retail pharmacies. The medical expenses incurred are in line with the scope of outpatient special diseases, and are settled with reference to hospitalization;

5. Hospitalization

● Hospitalization deposit: For participants who are eligible to be hospitalized, the hospital will charge the participant a partial deposit when he/she is hospitalized in the income hospital, and the amount of the deposit will be determined by the hospital on a pro rata basis according to the condition. If the unit of the dispatched person and the insured person fail to pay the medical insurance premiums in full and on time, the hospitalization deposit will be fully advanced by the dispatched person;

● Settlement cycle: every 90 days of hospitalization of the insured person is a settlement cycle: if it is not more than 90 days, each hospitalization will be a settlement cycle;

● Outpatient radiation therapy and chemotherapy for patients with malignant tumors, renal dialysis, kidney transplantation, and outpatient treatment for patients with malignant tumors. The outpatient radiotherapy and chemotherapy for patients with malignant tumors, renal dialysis, anti-rejection drugs after renal transplantation, and psychiatric patients who need to be hospitalized all year round are subject to a settlement cycle of every 360 days;

● The medical expenses incurred by the insured persons in the family hospital beds at designated community health service centers (stations) are subject to a settlement cycle of every 90 days;

● At the time of discharge of the insured persons from the hospitals or the completion of the phase of treatment, the dispatched persons are required to settle the expenses incurred by the dispatched persons at the hospitals. At the end of the discharge or stage of treatment, the medical expenses to be paid by the dispatched personnel should be settled by the dispatched personnel and the hospital first; the medical expenses to be paid by the basic medical insurance coordinating fund and the large amount of medical mutual aid funds should be declared by the hospital to the medical insurance center for examination and settlement;

● The settlement of medical expenses for hospitalization of the insured personnel, which are in line with the scope of the basic medical insurance regulations, will be set up as a starting line for payment of the basic medical insurance coordinating fund and a maximum amount of payment;

● The starting line is RMB 1,300 for the first hospitalization and RMB 650 for subsequent hospitalizations, and the maximum payment limit is RMB 50,000; the mutual aid

funds pay 70% of the large medical expenses exceeding the maximum payment limit (excluding the portion below the starting line and that borne by the dispatched personnel on an individual basis), and the dispatched personnel bear 30% on an individual basis. The maximum payment is 100,000 yuan in one year. The settlement standard for hospitalization expenses is calculated in sections and paid cumulatively according to the level of the hospital and the amount of expenses in a settlement cycle.

(When the rates are adjusted, they will be implemented according to the new standards.)

Note: The medical insurance is exempt from liability for traffic accidents that are not caused by work!

Unemployment insurance to enjoy the treatment

Unemployment insurance continuously paid for more than one year, after the file returned to the street. You can enjoy unemployment insurance treatment in the street.

1. Unemployment insurance benefits: refers to the basic living expenses paid by the unemployment insurance agency to the eligible unemployed in accordance with the provisions of the unemployment insurance, it is the most important unemployment insurance treatment. Unemployment insurance treatment is implemented according to the relevant documents of Beijing Municipality;

2. Medical benefits during the period of receiving unemployment insurance benefits: it refers to the benefits paid to the unemployed for the medical expenses incurred during the period of receiving unemployment insurance benefits. It is implemented in accordance with the relevant policies and regulations of Beijing Municipality;

3. Funeral benefits for unemployed persons who die while receiving unemployment insurance benefits and pensions for their dependent spouses and immediate family members are implemented in accordance with the relevant regulations.

Workers' compensation insurance

In the unfortunate event of an accident during the contractual period, it is necessary to obtain a statement of the situation from the enterprise and stamp it with the enterprise's official seal, and apply for recognition of the work injury as soon as possible (preferably within three working days) and provide the following materials:

1. Diagnosis of the initial treatment or hospitalization medical records;

2. Diagnostic certificate of occupational disease (one original, one photocopy each)

3, traffic accidents need to provide the traffic brigade's accident verdict or the traffic department's traffic accident certificate;

4, a copy of the identity card;

5, the validity period of the original labor contract

Maternity insurance entitlement

Can be reimbursed for maternity-related expenses

Reimbursement includes, maternity allowances, maternity medical expenses, medical expenses for family planning surgery, and medical expenses for family planning surgery, and maternity benefits. medical expenses, medical expenses for family planning surgery, and other maternity-related expenses stipulated by the state and the city.

The maternity allowance is calculated by dividing the contribution base of the month in which the female worker gives birth by 30 and multiplying it by the number of days of maternity leave. The maternity allowance is the salary of the female worker during her maternity leave, and if the maternity allowance is lower than her own salary, the difference shall be made up by the enterprise

Maternity medical expenses include medical examination fees, delivery fees, operation fees, hospitalization fees and medicine fees incurred by the female worker due to pregnancy and childbirth.

Family planning surgery medical expenses include medical expenses incurred by workers for family planning.

Nowadays, it is required to pay 20 years for health insurance and 15 years for pension to be eligible for pension and post-retirement reimbursement of health insurance .

First of all, if you go to work in a place other than your hukou . For example, if you have an original account in Beijing, and you go to Shenzhen to work. Regardless of whether or not the account is transferred to Shenzhen, in the event that you don't work in Shenzhen in the future, then the five insurance premiums paid in Shenzhen can be transferred out, it is very problematic! Because the whole country is not networked, only Beijing is networked. That is to say, if you originally worked in a Beijing organization, and after a few years jumped to another Beijing organization to work. There is no problem with this. But if you jump from another province or city, the transfer will be very troublesome and it is still a problem whether you can transfer it or not.

Three of the five insurance policies mentioned earlier are paid by both the company and the individual***. This means, for example, for pension insurance. For example, if your salary is 2,000, then you have to pay 8% personally and 15% from your organization (the above figures are hypothetical). All this money is deposited in an account, which can be withdrawn only when you fulfill the conditions for entitlement to pension insurance (see above). And considering what was written in the above paragraph, in case you can't make the transfer, then your money will be wasted and you won't be able to withdraw it.

All corporate and individual **** contributions are the same, and so is the housing fund. For example, according to the salary multiplied by the ratio: if you have to pay 500 per month, the unit to pay you 1,000 If you jumped ship, the money can not be transferred, then you pay 500 per month in vain. You can't take it out - because you don't qualify for a housing fund, you can only take it out when you buy a house.

Some people may ask, if I do not intend to work in the city where I started to develop a lifetime, in order to prevent the future transfer out of the five insurance fund, can I not pay? The answer is no. At least that part of the three insurance is mandatory by the state. So it's a bit of a bummer. Another thing about the base for the five insurance premiums, it's a question of which part of your salary to multiply by that percentage. This is the case, first look at the composition of the salary, basic salary + benefits + bonuses many companies, are only according to the basic salary on the five insurance and gold. Because if according to the three parts of the calculation, you personal on some more but the unit to you on more (enterprises and individuals *** with the payment of five insurance and gold, are personal to pay a small head of the unit to pay a big head.) So many companies in order to save money for themselves, the base is to be able to less and less in addition to the welfare part. There is a great deal of cat and mouse, this everyone will be signing a contract when you must ask!

As I said before, the housing fund is also the enterprise and personal **** with the payment. But the enterprise to you to pay that part, sooner or later is also your (as long as you buy a house in the future if you can take out a lump sum). For example, if you pay 500 per month according to the proportion, the organization may give you 1000, although before you buy a house, this 1500 is not taken out. But theoretically that 1000 is also for you. So some companies will count that 1000 as a benefit for you. In fact, it should not be counted ！！！！ Because the 1000 is false, is you do not buy a house, will not be able to take out . So when you sign up, ask if the benefits include a housing fund, and be careful!

Social insurance process

All types of enterprises (including state-owned enterprises, collectively owned enterprises, joint-stock enterprises, joint-stock cooperative enterprises, foreign-invested enterprises, private enterprises, etc.), enterprise management (employee wages and retirement benefits in accordance with the implementation of the standards of the enterprise) of the institutions should be in accordance with the principle of territorial management to the taxpaying (non-taxpaying units in accordance with the unit's address area)

The social insurance agency under the jurisdiction of the social insurance registration procedures for social pension insurance. Newly established units should lose the registration formalities within 1 month from the date of approval of the establishment of the unit. The insured unit must apply for social insurance procedures for all personnel (except retired personnel employed) with whom it has a de facto labor relationship.

I. Forms to be filled in and information to be attached:

1. Social insurance registration form and details of increase or decrease in the number of active employees (in duplicate) and obtain them from the social insurance office under jurisdiction.

Related documents are as follows:

(1) Business license (copy) or other approved documents for practice or establishment;

(2) Organization code certificate of the People's Republic of China;

(3) Local tax registration certificate;

(4) If the relevant documents of a private enterprise cannot clearly identify the nature of its unit, it should report the relevant information proving the private nature (eg. private nature (e.g., certificate of the industrial and commercial department, national tax registration certificate, capital verification report, etc.).

(5) Business units should be accompanied by the approval of the documents related to the establishment of business units.

(6) Resident offices should be attached to the head office or head office of the authorization letter.

Attached information: a copy of the identity card of the newly insured employee (the employee whose household is not in the city should also provide a copy of the household or temporary residence permit)

The above documents should be accompanied by the originals and photocopies, which should be processed at the local social security office.

2. Instructions for filling in the forms:

1. Social insurance registration form

"Tax number": the number of the "tax word such as 420103748300492" column in the tax registration certificate.

"Business registration and license information": the need for business registration, business license units (such as various types of enterprises) to fill out this column, do not fill out the "approved the establishment of information" column.

"Approval of the establishment of information": not by the industrial and commercial registration of the establishment of units (such as: institutions, institutions, social organizations, etc.) to fill out this column, do not fill out the "industrial and commercial registration license information" column.

"Contributing unit administrator": fill in the participating social insurance unit specifically responsible for the work of the contact person, his department and contact telephone.

"Type of unit" and "affiliation": according to the type of unit and affiliation of the insured unit, fill in the code corresponding to the "description" at the bottom of the table.

"Accounting bank": the clearing bank number of the depositary bank must be filled in.

2, the active workers increase or decrease in the details of the changes:

"Name", "gender", "birth date", "personal account (ID card number). Individual account (ID number)": all to be filled out strictly in accordance with the information in the ID card.

"Individual number": "Renewal", "transfer" personnel need to provide their original participation in the individual number, fill in this column. "New" personnel in the declaration of this column is not filled out for the time being, its personal number to be entered into the microcomputer generated.

(1) "new": the original uninsured persons, is the type of new, insured persons can not be added according to the new processing.

(2) "Renewal": the original social security, has been discontinued or transferred to the mobile window to insure, and is now renewed to the new unit insured, is renewed. In the mobile window insured people need to declare this form before the arrears of fees paid off and for its discontinuation in the mobile window procedures.

(3) "Transfer in": This refers to the transfer of the insured person between the insured units in the city.

(4) "out-of-city transfer": these people need to be in the unit account opening procedures are completed, the unit to the municipal fund clearing center for its transfer of fund settlement and "out-of-city transfer" change business.

"Monthly salary": the employee's average monthly salary for the previous year should be filled in the form. For new recruits in the current year, fill in the form according to the actual monthly gross salary (but not less than 586 yuan)

Table of enterprise and individual contribution ratio:

Type of insurance State-owned, collective enterprises, three-funded, private enterprises, migrant workers

Unit contribution Individual contribution Unit contribution Individual contribution Unit contribution Individual contribution Unit contribution Individual contribution

Old-age pension 22% 7% 20% 7% 13% 7%

Old-age pension 22% 7% 20%

Old-age pension 22% 7% 20 7% 13% 7%

Note: The social insurance agency under the jurisdiction of the 20th of each month

Housing Provident Fund is handled as follows:

I. Units to register for the Housing Provident Fund are as follows:

(1) Go to the local financial management center of the local Finance Bureau to register for the payment of deposits, and fill in the form of "Registration of Housing Provident Fund Payment", and fill in the form of "Fund Management Center". The "fund management center" in accordance with the provisions of the declaration of the unit for examination and approval and designation of housing provident fund bank.

(2) for the registration of housing fund contributions must be attached to the relevant documents: 1, a copy of the business license and a copy of the enterprise, administrative institutions and other institutions approved the establishment of the original and a copy of the approval; 2, the original and a copy of the code certificate of the legal person; 3, a copy of the original and a copy of the tax registration certificate of the national tax.

(3) four copies of this form, Wuhan Municipal Housing Reform Commission Funds Management Center approved the registration form retained two copies; units sent to the designated provident fund for the bank a copy of the form to set up a housing fund unit account and individual employee accounts; provident fund account will be set up every month after the establishment of an employee contribution to the housing fund form and remittance form attached to the provident fund for the bank.

Second, the unit for the newly hired or newly transferred employees to contribute to the housing fund, the procedures are as follows:

Newly hired employees or newly transferred in and out of the employee within 30 days of the start of the employee's housing fund account set up at the trustee bank for the establishment of the employee's housing fund account, and at the same time, for the establishment of housing fund account for the transfer of the account for the employee's personal account.

Three, the approved housing fund contribution ratio is as follows:

According to the employee's average monthly gross salary of 10% of the contribution. (Of which the unit portion is contributed at 5% and the employee's personal portion is contributed at 5%.)

Four, housing fund contributions to the unit name, address changes, the procedures are as follows:

Unit name, address changes, the original unit should be changed within thirty days from the date of change to the Municipal Housing Reform Commission Funds Management Center for registration of changes, and hold the "Municipal Housing Reform Commission Funds Management Center" audit "unit of housing fund management center".

The original unit should register the change at the Municipal Housing Reform Commission Fund Management Center within 30 days from the date of the change, and go to the trustee bank for the relevant procedures with the "Registration Form for Change of Unit's Housing Provident Fund Contribution" reviewed by the "Municipal Housing Reform Commission Fund Management Center".

V. If a unit contributing to housing fund is withdrawn, bankrupt or dissolved, the procedures are as follows:

A unit withdrawn, bankrupt or dissolved shall, within thirty days from the date of the occurrence of the above circumstances and with the relevant certificates and documents, go to the Municipal Housing and Reform Commission's Fund Management Center by the original unit or the liquidation organization to apply for the cancellation of the registration and to bring the "Municipal Housing and Reform Commission Fund Management Center" with a "Municipal Housing Reform Commission Fund Management Center" review of the "unit of housing fund account cancellation registration form", to the trustee bank for the transfer of housing fund account for the unit employees or centralized deposit procedures.

Unemployment insurance related procedures are as follows:

Newly insured unemployment insurance company should be in the jurisdiction of the unemployment insurance management office for unemployment registration procedures; such as doing the change of the unit needs to be in the original unit of the jurisdiction of the unemployment insurance management office for the transfer of the unemployment insurance relationship procedures; and then take the current unit of the jurisdiction of the unemployment insurance management office to register for the formalities, and now governed by the chapter of the unemployment office, and then, and then the jurisdiction of the unemployment insurance management office to register for the formalities. Unemployment office of the chapter, and then, then get the original unit under the jurisdiction of the unemployment office stamp; Finally, in the current unit under the jurisdiction of the unemployment office for this matter.

I. Forms to be filled in and information to be attached:

1. Receive from the Unemployment Office: Unemployment Insurance Registration Form, Declaration of Monthly Contribution Base for Contributing Units (Variation) Form, and Unemployment Insurance Contributing Employees' Roster (in four copies).