So, what is the relationship between excess supplemental insurance and employee health insurance?
"Employee large medical subsidies" is an effective supplement to the employee's basic medical insurance, but also an important part of our national basic medical insurance system. In accordance with the national, provincial and municipal relevant documents, where employees have participated in the basic health insurance unit employees and flexible employment, must participate in the annual and timely payment of "employee large medical subsidies" insurance costs, in order to enjoy the basic health insurance for urban workers and large medical subsidies. Simply put, that is, the workers basic medical insurance and large medical subsidies to implement the payment and treatment of bundled, to participate in the workers medical insurance must participate in the workers large medical subsidies, do not pay the "workers large medical subsidies" insurance costs on time will not be able to enjoy the basic medical insurance treatment of the workers.
What kind of medical treatment can I enjoy by participating in the Employee Benefit Program?
A natural year, the actual cumulative total of participants in the hospitalization medical expenses over the maximum payment limit of the integrated fund, the city's "employee large medical subsidies" by the contractor of the commercial insurance company (People's Health Insurance Company of China) at a rate of 90% to be paid; referral from other places, The medical expenses payable by the insurance company for emergency hospitalization in other places shall be paid out at a rate of 80%; except for emergency and rescue, the medical expenses payable by the insurance company for hospitalization in medical institutions outside the city without referral shall be paid out by the insurance company according to the policy of "55% for active employees, 60% for retired persons and 45% for urban and rural residents". The policy is implemented in accordance with the treatment standard of "55% for active employees, 60% for retirees and 45% for urban and rural residents". The city's "employee large medical subsidies" for the annual cumulative maximum amount of 600,000 yuan.What is the contribution standard for the employee's large medical benefits? What are the methods of payment?
At present, the city's "employee large medical subsidies" contribution standard is 108 yuan per person per year, the unit and the individual to bear 50%; flexible employment and some of the troubled enterprises, bankruptcy enterprise retirees contribute by the individual to bear. There are two main ways to make contributions: first, for those who have a unit, the staff of the unit will go to the service window set up by the medical insurance organization to pay the premiums for the employees and retirees of the unit; second, for those who do not have a unit, such as the flexibly employed, the individual will go to the designated bank branch to make the contributions on his/her own. Self-payment of the centralized payment time is not fixed, to remind attention is: payers should generally try to complete the payment at the beginning of the year, pay attention not to break payment, so as not to affect the basic health insurance benefits.There is no need to wait in line to make a large payment, as BOC's mobile banking makes it easy for you to do so.
As the beginning of each year is the peak of the employee large medical subsidy payment, and at the same time is the urban and rural residents of the final period of the payment of medical insurance, some people to pay the urban and rural residents of the payment of medical insurance and payment of large medical subsidy confused, very easy to cause the payment of the bank entrance to the long queues of the people gathered in the situation. In this regard, this year, the city undertook the payment of large medical subsidies for employees of the Bank of China actively launched the Bank of China's mobile banking payment of new channels, and in the city's streets and communities posted a payment announcement, detailing the Bank of China's mobile banking payment process, the participants in the home cell phone will be able to complete the payment; at the same time, payment of only need to provide the participant's identity card number, any person can be paid on behalf of the person can be a person to pay for more than one person. One person can also pay for more than one person. This greatly reduces the pressure and burden on the participants to queue up at the bank window to pay the fees.Mobile banking large medical insurance payment process:
1, log in to the Bank of China mobile banking, login password for the 8 to 20 letters and numbers combination, such as not sure if you have a cell phone bank, I can hold an ID card, the Bank of China debit card (can be opened), the real name of the cell phone number to the nearest Bank of China branch. 2. Click on the "Life" module in the lower right corner. 3. Locate Anshan, and enter the life payment. 4. Click on the integrated bill payment function. 5. Select Anshan Health Insurance. 6. Enter your personal information, choose your ID card for the type of document, and enter the correct ID number, click on Select Bank Card to choose the Bank of China card that you need to pay, and click Query. 7, check the payment information, check the type of document, personal information, the amount to be paid, payment card number, after checking the next step. 8, click Pay Now, get the verification code and enter it correctly. 9, the payment is successful, if you need to keep proof of payment, you can directly intercept the screen and save. In order to better serve the participants, the Municipal Health Insurance Bureau also jointly with the Bank of China Anshan Branch developed a large amount of medical insurance appointment queuing small program, the participants can scan the streets and communities through WeChat payment announcement two-dimensional code to make an appointment, the small program to achieve the city's Bank of China outlets to pay the payment of the appointment mechanism to the number of people on the scene to get a diversion to alleviate the problems of the participants of the customer concentrated in the queue of the outlets to ensure that the participants of the customer by the The program is a great way to make sure that your customers can easily pay their bills by making an appointment.