1. Bring your ID card and household registration book (some areas also have local residence permits) and go to the local social security service center to buy them;
2. Buy on WeChat;
3. Buy at Alipay;
4. Buy on the official account of WeChat, the local social security official.
Regarding how to buy personal medical insurance, let's first see what kind of situation it meets.
Paid by the unit. That is, the unit and the individual pay the same fee, and the unit pays part and the individual pays part, which is paid according to a certain proportion of the average monthly salary of the individual in the previous year.
Individuals pay social insurance as freelancers. In accordance with the provisions of the payment base ((hundreds to thousands, local regulations), according to a certain proportion of payment.
Medical insurance is a kind of social medical security welfare, and it is also a compulsory insurance that the state requires companies to buy for employees.
First, personal commercial medical insurance can generally be purchased through the following channels
1. Bring your ID card to the offline service outlets of insurance companies to buy;
2. Find an insurance broker or insurance agent to buy;
3. Buy in the insurance company official website;
4. Purchase in the official WeChat account of the insurance company.
First, individuals purchase medical care and social security.
1. Individuals who pay social security can apply for social security as freelancers.
2. Insurance conditions: urban hukou or rural hukou.
3. Handling place: local community street social security service points, or district and county social security bureaus (labor and social security bureaus).
4. How do individuals pay the basic information needed in social security issues: household registration book, ID card and photocopy, and two 1 inch photos.
5. Payment standard: based on the local social wage in the previous year, the proportion of pension payment is 20%, and that of medical care is about 9%. At present, 80% and 100% are still available.
Second, there are two forms to calculate how individuals pay medical social security. How do individuals pay medical insurance?
First, it is paid by the unit. That is, units and individuals pay the same fees. In this way, the part paid by the unit and the part paid by the individual shall be paid according to a certain proportion of the average monthly salary of the individual in the previous year. The individual part is paid according to 8% of the average salary of the individual in the previous year, 2% for medical insurance and 0.5- 1% for unemployment insurance.
The other is that individuals pay social insurance as freelancers. In accordance with the provisions of the payment base (hundreds to thousands, each with its own local regulations) according to a certain proportion of payment, different places. Endowment insurance is generally paid at the rate of 18-28%, and medical insurance is generally paid at the rate of 6- 10% of the local average wage level in the previous year. At present, China's social insurance is still in the stage of regional overall planning. The cardinality and proportion are different in different regions.
Third, how to pay for the interruption of medical insurance?
Social security payment refers to the interruption of social security payment for some reason and no payment in the middle months. Now, due to recruitment or other reasons, it is necessary to make up the part that has not been paid before, in order to obtain a complete social security period and ensure the normal identification of recruitment and settlement. Under normal circumstances, the general unit can only make up for 2 months. If it takes longer, it has to be operated through some agencies. If it is insured in the name of an individual, if it is not paid, it can only be paid again. If the unit does not declare (does not open an account), it can only pay the pension. If you want to pay it back after a period of time, you can find an agent to pay it back.
If the payer (excluding individuals and freelancers) fails to pay the employee's old-age insurance premium, he shall bring the following materials to the social security agency to handle the case payment of the basic old-age insurance premium:
1, employee file and endowment insurance manual;
2 "Application Form for Paying the Basic Endowment Insurance";
3, labor contract, salary payment schedule, etc. ;
4. Other relevant materials.
legal ground
People's Republic of China (PRC) social insurance law
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.