1. How much does it cost for individuals to pay residents' medical insurance (social security) for one month?
Buying medical insurance for yourself means paying social security (including medical insurance and endowment insurance) for urban and rural residents. Everyone should pay at least 250 yuan/year, about 20 yuan every month. Different regions have different standards, and some developed regions will charge higher fees.
Medical insurance reimbursement. Fees such as registration, outpatient service, drug purchase and hospitalization can be reimbursed by employees' medical insurance, and the reimbursement ratio is mainly 70%. 90%-90%, while medical insurance for urban and rural residents can only reimburse outpatient and inpatient expenses, and the reimbursement ratio is 50%-70%. The higher the payment level, the higher the reimbursement ratio.
When going to a designated medical institution for medical treatment, the medical insurance payment is normal, and the expenses within the scope of reimbursement due to drugs, diagnosis and treatment items and medical service facilities exceed the deductible line and do not reach the ceiling line, which can be reimbursed in proportion. However, there is no way to use medical insurance for reimbursement in some cases, including those that should be borne by a third party, those that should be treated at public expense, and those who seek medical treatment abroad should be paid by industrial injury insurance.
Second, how to pay employee social security?
Employee social security is the social security paid by the work unit. Generally speaking, most of them are paid by the company, and a small part of them is paid in proportion. If you pay employee social security, including pension, unemployment, medical care, industry and commerce, maternity insurance. At present, maternity insurance and new nursing insurance are integrated.
If you earn 5,000 yuan and pay social security in a third-tier city, you need to pay medical, pension and unemployment insurance. The individual contribution rate for the aged is 8%, that is, 400 yuan, and the unit contribution rate is 16%. If you pay in 800 yuan, the personal contribution rate of medical treatment is 2%, which is 100 yuan, and the unit contribution rate is 6% to 7%, which is 300 yuan a month.
It can be seen that the overall contribution rate of the unit is 24% to 25.2%, and the overall contribution rate of the individual is 10.3% to 12.2%. If your annual income is 60,000 yuan, you should pay 10.3% to 12.2% of your total income to social security. First-tier cities have more developed economies, higher average social wages and guaranteed social security.
How much social security and medical insurance do you have to pay yourself?
1. If no employer pays social security for itself, you need to go to the Social Security Bureau to pay social security yourself. Individuals pay social security, according to different payment methods, the minimum one year is between 2000~ 10000 yuan.
Generally speaking, there are two ways to pay social security: one is to participate in social security for urban and rural residents, including endowment insurance and medical insurance for residents; One is to participate in social security for urban workers as flexible employees, including employee pension and medical insurance. Social security for urban workers is also called flexible employment social security.
2. Whether it is social security for urban and rural residents or social security for flexible employees, it is necessary to pay social security at the social security bureau where the household registration is located. With the relaxation of the policy, some areas allow non-local residents who meet certain conditions to pay flexible employment social security. Before handling social security, it is best to call the local social security bureau for detailed consultation.
3. Pay social insurance premiums by yourself: If you pay social insurance premiums by yourself, you can choose the appropriate grade according to your own economic conditions.
For example, social security for urban and rural residents is paid annually, and there are many grades of endowment insurance, and the annual cost is about 2000~5000 yuan. 202 1 Minimum payment for personal medical insurance in 280 yuan, the standards vary from place to place. Calculated, the annual social security payment for urban and rural residents is roughly between 2,300 and 5,300 yuan.
Flexible employment social security, the specific amount is calculated according to the local average wage in the previous year, and the payment base is 60%~300% of the average wage in the previous year. Generally speaking, the base for individuals to pay social insurance premiums is 20% of the base for payment. Medical insurance payment is 4%~8% of the payment base, which varies from place to place. For example, the average salary in area A is 4,300 yuan a year, and the payment base is 2,580 ~12,900 yuan. The monthly pension insurance premium that individuals should pay is: 5 16 yuan at the minimum and 2,580 yuan at the maximum. In addition, the monthly medical insurance is calculated by 300 yuan, and the minimum payment per person is about 98,000 yuan.
4. Pay endowment insurance. As long as you pay 15 years before retirement, you can get old-age insurance. However, China implements the policy of "more work and more pay, more work and more pay for a long time". The higher the payment level, the longer the payment time and the higher the pension received after retirement.
How much does medical insurance pay a month?
In social security, except for work-related injury insurance and maternity insurance, the other three insurances are shared by enterprises and employees. So, how much does medical insurance pay every month?
The proportion of medical insurance payment is 5% to 9% for the unit and 2% for the individual. So if your monthly salary is 5000 yuan, you have to pay: 5000×2%= 100 yuan of medical insurance every month.
Of course, we also need to note that if your total monthly salary exceeds 300% of the average monthly salary of local employees last year, you should pay it according to 300% of the average monthly salary of local employees last year; If the total monthly salary is lower than 60% of the average monthly salary of local employees in the previous year, it will be paid according to 60% of the average monthly salary of local employees in the previous year.
As for flexible employees, they need to pay medical insurance in full. The payment ratio is generally around 4% to 1 1%, and you can choose your own payment grade. As for the payment base, it is also necessary to refer to the local average monthly salary level of employees in the previous year.
For example, if the local average monthly salary is 6,000 yuan, and the payment base is 60%, and your payment ratio is 10%, then the monthly medical insurance fee you need to pay is 6000×60%× 10% = 360 yuan.
1. How to pay the five insurances yourself?
Five insurances are endowment insurance, medical insurance, industrial injury insurance, maternity insurance and unemployment insurance, which is what we often call social security. So, how do you pay the five insurances yourself?
1. If an individual wants to pay social security, he can do so as a flexible employee, but only pension insurance and medical insurance can be paid, but work injury insurance, maternity insurance and unemployment insurance cannot be paid. If an individual wants to pay all five risks, he'd better call a unit, so that all five risks are paid.
However, if all five insurances are paid, the payment burden will definitely be very large. Because not only do you have to bear the premium yourself, but you also have to pay the other party a service fee.
2. If you can't afford it, it is suggested that you don't have to pay all the five insurances, and you can pay the old-age insurance and medical insurance as a flexible employee. Just bring my ID card, household registration book, unemployment certificate and two 1 inch photos to the social security agency where the household registration is located. Designate a bank, agree on the deduction time in the form of personal savings card payment, and then pay in full monthly/quarterly.
1, medical insurance is mainly divided into employee medical insurance and urban and rural residents medical insurance. Different types of payment amount is different. Employee medical insurance, payment amount = unit medical insurance payment base * payment ratio+individual medical insurance payment base * payment ratio. Under normal circumstances, the unit pays 8% and the individual pays 2%. At present, there is no clear regulation on how much urban and rural residents have to pay for medical insurance a year.
2 employee medical insurance is paid by the employer and employees at a fixed proportion of the total payment base every month. However, the payment stipulated in the medical insurance for urban and rural residents shall not be lower than that in 250 yuan and 250 yuan, and the fees in some developed areas will be higher.
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1. The Tenth Five-Year Plan puts forward that people's health must be guaranteed in an important position, and the consolidation and expansion of poverty alleviation achievements should be effectively combined with rural revitalization. At present, China's urban and rural basic medical insurance has achieved national coverage, and urban and rural basic medical insurance is paid by residents. On the basis of government subsidies, basic medical assistance was provided to residents, which initially solved the problem of heavy burden of medical expenses for residents and guaranteed the basic medical needs of the people.
2. Registration, outpatient service, drug purchase, hospitalization and other expenses can be reimbursed through employee medical insurance. The reimbursement rate is generally 70%-90%. Hospitalization of urban and rural residents can only be reimbursed through medical insurance. The reimbursement rate is generally 50%-70%. If you go to a designated medical institution for medical treatment, you will not cancel the medical insurance, as long as you reimburse the expenses incurred in drugs, diagnosis and treatment projects, medical service facilities, etc. If the deductible is exceeded and the upper limit is not reached, a certain percentage of expenses can be reimbursed. But in some cases, medical insurance cannot be reimbursed.
Medical insurance can provide us with the most basic medical security. Although the cost performance is high, the coverage is not comprehensive. Taking Guangdong Province as an example, the medical insurance reimbursement for urban and rural residents can reach up to 300,000 yuan/year, and the expenses such as target drugs and imported drugs that are not on the reimbursement list cannot be reimbursed.