Under normal circumstances, the employer needs to pay 8% of the social security base (or recognized salary) every month, and the individual needs to pay 2%, which is directly deducted from the salary every month. When reaching the legal retirement age, men can pay for 25 years, and women can enjoy life after paying for 20 years.
This payment base is not static. From the average salary of employees in this province and city in the previous year. The minimum payment base is 60% of the average social wage in the previous year and the maximum is 300% of the average wage. Just like the average wage in Zhengzhou in 20 18 is 4575 yuan, then the minimum payment base in 20 19 is 4575×60%=2745 yuan.
As long as these two payment bases are determined, it means that no matter how low your salary is, even if it is lower than 2745, you must pay according to the minimum standard; If the salary is higher than 13725 yuan, it can only be paid according to the highest standard, but if the salary is between 2745- 13725, it will be paid according to the actual salary.
For example, suppose Xiao Zhang works in a company in Zhengzhou with a monthly salary of 10000.
Then the monthly medical insurance fee that his company needs to pay = 10000×8%=800 yuan,
Individuals only need to pay = 10000×2%=200 yuan.
2. How do unemployed urban and rural residents pay insurance?
The medical insurance for urban and rural residents is lower than that for employees, and the premium is generally determined according to a certain proportion of the per capita disposable income of local people. However, there is no retirement treatment, and the government will also give certain financial subsidies if the payment is made for one year.
Under normal circumstances, urban and rural residents' medical insurance (hereinafter referred to as urban residential insurance) must pay first, that is, enjoy the medical insurance benefits for the whole year of the following year. For example, as long as Zhengzhou is handed over to 250 yuan on 20 19, it can enjoy the medical insurance benefits for the whole year of 2020. If you don't pay, it means that the medical insurance will not be reimbursed next year. The specific payment depends on local policies.
Annual payment time is usually concentrated in the second half of the year. When it expires, the community will generally remind you that you are free to choose whether to pay or not. Especially now it is more and more convenient to do things. You can renew your insurance directly by logging in to WeChat or Alipay.
How to calculate medical insurance hospitalization reimbursement? You can save more if you learn.
It is very important that urban workers' medical insurance and urban and rural residents' medical insurance pay different fees and enjoy different treatment.
The former pays more than the latter and enjoys better treatment when reimbursing, mainly in the proportion of reimbursement. The reimbursement rate of medical insurance for employees in hospitals of the same level is generally higher than that in urban residential insurance 10%-20%. Taking Zhengzhou as an example, Bao Bei made a picture, and the difference was clear at a glance:
How to calculate medical insurance hospitalization reimbursement? You can save more if you learn.
For example, suppose Xiao Zhang was hospitalized in a 3A hospital in Zhengzhou for a week because of appendicitis, during which the operation and hospitalization expenses were * * * 12000, all of which were used for social security.
If he is a medical insurance for urban and rural residents,
Reimbursement amount =(8000-2000)×55%=3300 yuan.
(12000-8000)×65%=2600 yuan.
This means that he can finally reimburse 3300+2600=5900 yuan, and he needs to pay 6 100 yuan at his own expense.
But if he uses city employee health insurance,
Then the final reimbursement amount =( 12000-900)×88%=9768 yuan, and only 2232 yuan is needed at one's own expense;
As for why the baby is counted in this way, we will talk about it in detail later, but we can clearly see that it is also hospitalization reimbursement, and the employee medical insurance is 3268 yuan more than urban and rural insurance, which ultimately saves nearly half of the expenses!