2017 personal medical insurance payment standards: Medical insurance premiums are jointly funded by employees, units and the state according to a certain payment ratio.

When insured employees seek medical treatment due to illness, they can obtain part or all of the reimbursement.

It embodies the principle of equality of individual rights and obligations.

Only by paying medical insurance premiums in full and on time can you enjoy the right to reimbursement.

1. Payment standards 1. The employer of basic medical insurance shall pay 6% of the total salary of its employees (including retired employees) in the previous year; individual employees shall pay 2% of their salary income in the previous year, starting from the month following the completion of retirement procedures.

Starting from , individual retirees do not pay basic medical insurance premiums.

If the ratio of retirees to employees in the unit exceeds the city's standards, relevant city regulations will apply.

If the average salary of the employer (employee) is lower than 60% of the average salary of the county's employees in the previous year, 60% will be used as the payment base; if it is 300% higher than the average salary of the county's employees in the previous year, 300% will be used as the payment base.

2. Supplementary medical insurance for serious illness is paid at the standard of 120 yuan per person per year (including retired employees), of which 70% is borne by the employer and 30% is borne by the individual employee.

If the employer joins the insurance midway, it must pay the supplementary serious illness insurance premium according to the annual standard.

2. Payment method 1. Basic medical insurance Basic medical insurance premiums are collected by the local tax department and paid in full by paying units and paying individuals from the 1st to the 10th of each month.

The basic medical insurance premiums paid by the agencies and public institutions fully allocated by the county finance department shall be directly allocated by the county finance department in full on a monthly basis. Other basic medical insurance premiums shall be paid by the county local taxation department on a monthly basis according to the collection plan provided by the county medical insurance agency.

collection.

The portion paid by employees individually shall be withheld and paid by the employer from their wages.

2. Critical Illness Supplementary Medical Insurance The critical illness supplementary medical insurance premium is collected by the county medical insurance agency, and the employer must pay it in full before the end of January each year.

3. Arrears Handling If employers and individuals fail to declare or pay medical insurance premiums in full and on time, the payment of medical expenses and transfers to personal accounts of all insured employees of the unit will be suspended from the month of arrears.

At the same time, a late payment fee of 2‰ will be charged on a daily basis, and the unit or individual will be responsible for the medical expenses during the period of suspension of benefits.

When resuming the payment of medical insurance premiums, the outstanding insurance premiums and late payment fees should first be paid, and then the payment of medical expenses for the insured employees of the unit should be resumed.

4. Payment of individual basic medical insurance premiums First, each coordinating region must determine a personal basic medical insurance contribution rate that is suitable for local employees’ burden level, which is generally 2% of salary income. Regions with conditions can also increase the proportion of individual contributions appropriately.

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Secondly, individuals pay basic medical insurance premiums based on their salary income and according to the prescribed local individual contribution rates.

As for the base of personal payment, it should be pointed out that it is not based on the individual's basic salary or standard salary, but on the statistical caliber of salary income stipulated by the National Bureau of Statistics, that is, based on all salary income.

All salary income, including various types of bonuses, labor income and in-kind income, is the base number, multiplied by the prescribed personal contribution rate, which is the basic medical insurance premium that the individual should pay.

5. Personal contributions generally do not require individuals to go to social insurance agencies to pay, but are withheld and paid by the unit from salary income.

Extended information: Benefits of applying for medical insurance: (1) You can enjoy medical expense reductions.

Just reimbursement.

Medical insurance outpatient reimbursement - Resident Medical Insurance: Within an insurance year, if the ordinary outpatient expenses incurred by insured residents at designated outpatient medical institutions are within 100 yuan (inclusive), the resident medical insurance fund will pay 30% and the individual will pay 70%; 100 yuan

The above is up to the individual to take care of themselves.

(2) Urban employee medical insurance: Not all personal accounts on the medical insurance cards of insured persons insured by the unit are their own personal contributions; starting from last year, the medical insurance cards of flexible employees also have a personal account of 15 yuan per month, which can be used for payment

Outpatient expenses are equivalent to outpatient reimbursement (unless the insured person is a civil servant or the unit has other reimbursement policies).

(3) Medical insurance hospitalization reimbursement - Medical insurance hospitalization reimbursement?

In addition to self-payment, after paying 10% of Category B expenses out of pocket first, the part exceeding the threshold fee can be "reimbursed".

Instead of paying cash in advance and then being reimbursed with a receipt, you will be issued a medical insurance card when you are hospitalized in a hospital designated by the medical insurance.

The unified medical insurance settlement system reads the insured person's information and handles the hospitalization number. During the discharge settlement, the medical insurance system will not charge you the "reimbursed" part - the overall payment part.