Dongguan social security payment base
1. How many years does Dongguan social security have to pay?
Social security has two parts, pension and medical care. Pension is to accumulate 15 years. However, the pension has stopped and medical care can't be bought. Medical treatment stopped before retirement, and then it disappeared. When the pension is stopped, it can accumulate 15 years, and the medical treatment has been stopped for two months. The previous payment is not counted, and it has been cleared. Treatment should last for 25 years. It has stopped, and the pension money can't be taken out. The most cost-effective thing is to start paying at the age of 30, and it is cost-effective to retire at the age of 55, and the old-age medical care has never stopped. But the future national policy is uncertain.
II. Dongguan Social Security Regulations
1, supplementary insurance implementation rules
Supplementary insurance includes hospitalization supplementary medical insurance and personal account of medical insurance. Those who have not participated in the hospitalization supplementary medical insurance cannot choose to participate in the medical insurance account alone.
Flexible employees and students need to pay supplementary insurance.
Supplementary insurance "implements the principle of Sakura Worship", and employees, urban and rural residents and flexible employees who participate in supplementary medical insurance are selected. Employees are paid by employers, urban and rural residents and flexible employees by individuals to the social insurance agencies in their towns.
Supplementary insurance includes hospitalization supplementary medical insurance and personal account of medical insurance. According to the Municipal Social Security Bureau, employers, villages and flexible employees can choose to participate in the medical insurance accounts of all or part of the insured on the basis of participating in the supplementary insurance for hospitalization; Those who have not participated in the hospitalization supplementary medical insurance cannot choose to participate in the medical insurance account alone.
2, the medical insurance account payment base is determined according to personal income.
The "Implementation Rules" clarify that the payment base of hospitalization supplementary medical insurance is determined according to the average monthly salary of urban workers in the previous year. The payment base of medical insurance account is determined according to personal income, and the employees are declared by the employer on a monthly basis according to their salary income, with a minimum of not less than 60% of the average monthly salary of urban employees in this city in the previous year and a maximum of not more than 300% of the average monthly salary of urban employees in this city in the previous year; The monthly per capita net income of rural residents in this city for more than one year is the payment base.
In addition, flexible employees can choose to participate in supplementary medical insurance according to employee standards, and if they participate in medical insurance accounts, their payment base will be declared by individuals according to employee standards. And in accordance with the provisions of the unified selection of college students, primary and secondary school students who did not participate in the basic social medical insurance in this city as a unit to participate in supplementary medical insurance. Among them, those who participate in the medical insurance account, the payment base is determined with reference to the standards of urban and rural residents. The above two types of personnel participate in supplementary medical insurance, and their contributions are borne by individuals.
3. Enjoy basic insurance benefits first, and then enjoy supplementary insurance for hospitalization.
The "Implementation Rules" clarify that the medical expenses incurred by the insured person in hospital or in a specific outpatient clinic that meet the scope of social insurance payment in this Municipality shall be paid in accordance with the relevant provisions of the basic medical insurance, and those who participate in the hospitalization supplementary medical insurance and meet the conditions for enjoying the hospitalization supplementary medical insurance shall be paid in accordance with the relevant provisions of the hospitalization supplementary medical insurance on the basis of enjoying the basic medical insurance benefits.
The insured person's basic medical expenses incurred in hospitalization due to accidental injury, as well as the basic medical expenses paid by the individual after the payment of the serious illness insurance fund, may be subsidized according to the relevant provisions of the supplementary medical insurance for hospitalization.
4. If you have a medical insurance account, you can go to the community clinic to see a doctor and buy medicine.
If the insured person participates in the medical insurance account at the same time, he can seek medical treatment and purchase medicine in the outpatient department of the designated social insurance hospitals, retail pharmacies and designated community health service institutions in this city, and can directly use the funds in the medical insurance account of the social security card to pay the relevant medical expenses, and the medical insurance pooling fund will no longer pay. If the employer or individual who participates in the medical insurance account stops insurance, interrupts payment or fails to pay in full, he will stop enjoying the medical insurance account treatment from the month when he stops insurance, interrupts payment or owes money, and the balance of his medical insurance account can continue to be used.
5, the detailed rules for the implementation of serious illness insurance
Critical illness insurance also includes accidental injury, nutrition protection and drought protection, and the health drugs of the sales bureau cannot be reported.
If the insured person has participated in the basic social medical insurance in this Municipality, it can be regarded as participating in the medical insurance for major diseases at the same time, without additional payment.
After the implementation of the new social security policy, the insured can participate in the basic social medical insurance in this city, which can be regarded as participating in the medical insurance for major diseases at the same time, without additional payment.
The Detailed Rules for the Implementation of Serious Illness Insurance defines the order of treatment enjoyment, that is, the medical expenses incurred by the insured in hospital or in a specific outpatient clinic that meet the relevant provisions shall be paid in accordance with the basic medical insurance, supplementary medical insurance and other medical subsidies and relevant regulations. On this basis, if the compliant medical expenses paid by the insured meet the conditions for enjoying the treatment of serious illness insurance, they shall be paid by the serious illness insurance according to the relevant regulations.
6, three kinds of expenses are not included in the Qifubiaozhun.
However, after the medical expenses of the insured are paid by basic medical insurance, supplementary medical insurance and other medical subsidies, the three types of expenses are not included in the calculation of the deductible line of serious illness insurance. The package includes non-medical related expenses, which refers to the expenses unrelated to diagnosis and treatment during hospitalization or specific outpatient treatment of the insured; Project cost of nutrition and health care drugs and materials.
Social security payment base
With the development of the times, people have a clearer understanding of the concept of insurance and pay more attention to the importance and role of insurance. The insurance payment base in 2023 refers to the minimum premium paid by social security users in a certain period of time according to their specific conditions and policies stipulated by the state.
In order to better protect citizens' social security rights and interests, the State Council issued the Regulations on Further Raising the Base of Social Insurance Payment. According to this regulation, the social insurance payment base is increased to 1.200 yuan per month, and the social insurance payment base is 1.000 yuan. At the same time, the proportion of social insurance contributions has also changed, and the proportion of contributions has increased to 7: 3, that is, every time users pay premiums, their own expenses account for 7, and the expenses paid by employers account for 3.
In addition, the state also distinguishes the social insurance payment base of different industries. For example, the social insurance payment base of agricultural industry is 850 yuan per month, processing and manufacturing industry is 950 yuan per month, transportation industry is 1050 yuan per month, construction industry is1/50 yuan per month, commercial industry is 1250 yuan per month, and other industries are 65,450 yuan per month.
The increase of insurance payment base will benefit domestic and foreign users. As a result of the upward adjustment, the social insurance fees of social security users will be higher, and the fees that users need to pay will also increase accordingly, thus saving money for most users and enabling them to obtain more social security in a shorter time.
In addition, increasing the social insurance payment base can also effectively improve the national social security system, further improve the quality of life of residents, make more social security expenditures fully utilized, and thus obtain better social security services.
At the same time, increasing the base of social insurance payment is also conducive to maintaining social and economic stability and promoting economic development. Due to the increase of social security expenditure and the improvement of social consumption level, it will stimulate consumer demand, thus promoting the sustained and healthy development of economy and society.
To sum up, the upward adjustment of social insurance payment base is a positive change, which can not only promote the development and perfection of the national social insurance imitation system, but also improve the level of social consumption and promote the healthy development of the economy, which is conducive to the national financial and social economic development.