Paying medical insurance is a policy with medical insurance. For your health, the state has introduced preferential policies. Every citizen who pays medical insurance will enjoy the national medical insurance subsidy policy when he retires.
I. Mode of payment
1, self-service payment
(1) Self-service payment: it mainly includes Qingdao Electronic Taxation Bureau, official account of Qingdao Tax WeChat, Tax and Tax Connect APP ("Personal Tax"), WeChat ("City Service"-Social Security Payment), Alipay ("Citizen Center") and self-service tax payment terminal.
(2) Bank payment: Insured residents can pay residents' medical insurance fees at the bank with valid identity documents. At present, the banks that can be handled are: Qingdao Bank, Bank of Communications, Qingdao Rural Commercial Bank, China Bank, Postal Savings Bank, Agricultural Bank, China Merchants Bank, Industrial and Commercial Bank and China Construction Bank. Among them: Bank of Communications and Industrial and Commercial Bank of China have opened online banking and mobile banking payment services; China Merchants Bank, China Bank, Agricultural Bank and Qingdao Bank opened mobile banking payment services; Bank of China, Agricultural Bank, Industrial and Commercial Bank of China, China Construction Bank and Bank of Communications Mobile Banking support the payment of residents' medical insurance premiums in digital RMB;
(3) Payment in the service hall: The insured can complete the payment of residents' medical insurance fees through the tax window of the social security hall, the tax window of the government comprehensive service hall and the tax service hall.
If the insured chooses Qingdao Electronic Taxation Bureau, self-service tax payment terminal or service hall to pay the fee, he/she needs to sign an entrusted deduction agreement with the above-mentioned handling bank.
2. Pay through the collection agency.
Take the neighborhood (village) committees, schools and pre-school education institutions and other centralized collection, the collection agency shall register or change the insured information for the insured, and organize the insured to pay unified fees; The tax authorities provide payment methods such as unified payment by the collection agency and individual payment by the insured residents.
Second, the medical insurance payment process
1, declared for acceptance
The collection department of the medical insurance institution accepts the Declaration Form for the Change of Medical Insurance Payment Base reported by the insured unit, and requires the following information:
(1) Salary Payment Schedule;
(2) List of increase or decrease of medical insurance personnel
(3) Other information provided by medical insurance institutions.
2. Payment verification
(1) The collection and payment department of the medical insurance institution shall review the payment declaration and approval form and related materials provided by the insured unit. After passing the examination, the insured shall go through the formalities of approval or increase or decrease.
(2) The collection and payment department of the medical insurance institution shall, according to the verification of the payment declaration, timely record the information such as the time of enrollment and the current payment salary for the new insured. The collection and payment department of the medical insurance institution shall declare and approve the current payment base according to the insured unit.
(3) The collection and payment department of the medical insurance institution calculates the payable amount according to the approved current payment base and payment rate of the insured unit, prints the Notice of Medical Insurance Payment, feeds back to the reporting unit, and collects the payment on this basis.
Step 3 charge
(1) Medical insurance institutions can collect fees through the "income household deposit" bank, or by cheque, cash, wire transfer or cashier's check, and issue special receipts. The financial management department of the medical insurance institution reconciles with the bank every month and feeds back the receipt to the collection department.
(II) The collection and payment department of the medical insurance institution shall, according to the payment of medical insurance premiums fed back by the financial management department, issue a "Social Insurance Premium Reminder Notice" to the insured units that fail to pay medical insurance premiums in full and on time after the declaration. If it is not implemented within the time limit, it shall provide relevant information and materials to the administrative department of labor security, which shall make corrections within a time limit.
(3) Before 25th of each month, if the insured unit fails to pay the fee, a late fee of 2‰ will be charged on a daily basis from the date of default. It can be paid in one lump sum for one month, one quarter, six months or one year. If it is paid quarterly or annually, it should be paid at the beginning of the quarter or the beginning of the year. Temporarily unable to pay, can apply for holdover, holdover time shall not exceed 2 months.
4. Pay arrears
The collection and payment department of the medical insurance institution shall, according to the arrears of medical insurance, establish arrears data information, fill out the Notice on Payment of Social Insurance Premium, and notify the insured unit to pay arrears.
legal ground
Labor law of the people's Republic of China
Article 70 The state develops social insurance undertakings and establishes social insurance systems and social insurance funds, so that workers can get help and compensation in old age, illness, work injury, unemployment and childbirth.
Article 72 The sources of social insurance funds shall be determined according to the types of insurance, and overall planning shall be implemented step by step. Employers and workers must participate in social insurance and pay social insurance premiums according to law.
Seventy-fourth social insurance fund agencies in accordance with the law, the management and operation of social insurance funds, and bear the responsibility of maintaining and increasing the value of social insurance funds; Social insurance fund supervision institutions shall supervise the income and expenditure, management and operation of social insurance funds according to law; The functions of handling social insurance funds and establishing social insurance fund supervision institutions are stipulated by law, and no organization or individual may misappropriate social insurance funds.
Article 75 Employers are encouraged to establish supplementary insurance for workers according to actual conditions; The state encourages self-employed workers to participate in savings insurance.
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.