How much does it cost to pay for medical insurance every month?

The monthly payment for medical insurance is divided into personal part and corporate part.

Calculation formula: payment base * local payment ratio. Take Xiao Zhao, a 25-year-old white-collar worker in Beijing, as an example. It is assumed that Xiao Zhao pays social security according to the lowest base in Beijing in 2017.

Monthly payment for individuals: minimum base (4624) * individual payment ratio (2% + 3) = 95.48 yuan Monthly payment for enterprises: minimum base (4624) * enterprise payment ratio (10%) = 462.4 yuan The total is: 557.88

However, not all of the 557.88 yuan goes into your personal account.

Generally speaking, the personal payment part will go into your personal account, which is your medical savings account.

The large portion of the corporate payment will go into the national medical insurance pooling fund, and the small portion will go into your personal account.

The rules of Beijing’s medical insurance discount personal account are: if the age is <35 years old, 2.8% of the payment base shall be entered into the personal account; if the age is 35≤age≤45, 3% of the payment base shall be entered into the personal account; if the age is >45, 4% of the payment base shall be entered into the personal account

account; so for Xiao Zhao, his medical insurance card will receive money every month: minimum base (4624) * proportion (2.8%) = 129.47 yuan. How much can medical insurance reimburse?

1. What to do if you get seriously ill and are hospitalized. Every city has set a one-time minimum payment standard for inpatient medical treatment. In Beijing, this standard is 1,300 yuan for the first time.

After reaching the standard, the medical expenses incurred by hospitalization can be based on 85%-97%, and the reimbursement ratio is based on the hospital level.