The unit payment rate of basic medical insurance for employees in Kunming will be further lowered to 7%, and the maximum annual payment limit after the superposition of basic medical insurance for employees and large medical expenses subsidy this year is 5, yuan. The payment rate of basic medical insurance units for employees will be reduced from 8% in 222 (excluding maternity insurance) to 7% (excluding maternity insurance); The payment rate of flexible employees will be reduced from 8% in 222 to 7% by combining unified accounts.

The new medical insurance policy for Kunming employees is as follows:

1. Adjustment of the population covered by personal medical insurance:

(1) The coverage of the medical insurance system for urban and rural residents includes all the insured persons of the existing urban residents' medical insurance and the new rural cooperative medical system, that is, all urban and rural residents except those who should be insured by the basic medical insurance for employees;

(2) Migrant workers and flexible employees participate in the basic medical insurance for employees according to law, and those who have difficulties can participate in the medical insurance for urban and rural residents according to local regulations.

2. Financing of individual medical insurance:

(1) Insist on multi-channel financing, continue to implement the financing mode of combining individual contributions with government subsidies, and encourage collectives, units or other social and economic organizations to give support or funding;

(2) Reasonably divide the financing responsibilities between the government and individuals, and appropriately increase the proportion of individual contributions while raising the government subsidy standard.

3. Determination of financing standards for individual medical insurance:

(1) All localities should consider the needs of urban and rural residents for medical insurance and serious illness insurance, and reasonably determine the unified financing standards for urban and rural areas according to the principle of fund balance;

(2) In areas where there is a big gap between the existing medical insurance for urban residents and the individual payment standard of the new rural cooperative medical system, we can adopt the method of differential payment and make a gradual transition in two to three years;

(3) The actual per capita fund-raising and individual contributions after integration shall not be lower than the existing level.

4. Personal medical insurance benefits:

(1) Follow the principle of moderate benefits and balance of payments, balance urban and rural benefits, and gradually unify the coverage and payment standards;

(2) The urban and rural residents' medical insurance fund is mainly used to pay the medical expenses incurred by the insured.

(3) Stabilize the level of hospitalization insurance, and keep the proportion of hospitalization expenses within the policy range at about 75%;

(4) to further improve the outpatient co-ordination and gradually improve the level of outpatient support;

(5) gradually narrow the gap between the payment ratio within the policy scope and the actual payment ratio.

5. Implementation of new personal medical insurance:

(1) All provinces should make plans and arrangements for integrating medical insurance for urban and rural residents before the end of June, and make clear the timetable and road map to ensure that all policies and measures are put in place;

(2) Each overall planning area should make specific implementation plans before the end of December.

The personal account of the employee's basic medical insurance participant is included in the proportion, and the actual proportion of the employee is 1.8% after withholding the personal contribution of the long-term care insurance according to 2% of the payment base. Self-employed retirees and retirees who are insured with the employer are included in personal accounts according to 4.5% of the basic pension; Medical insurance retirees who did not participate in the old-age insurance or could not receive a monthly pension were included in personal accounts according to 4.5% of the monthly average basic pension of enterprise retirees in Yunnan Province in the previous year; Retirees with flexible employment were transferred into personal accounts according to the average monthly salary of employees in full-caliber urban units in Yunnan Province last year and the average monthly basic pension of enterprise retirees in Yunnan Province last year, and the actual transfer ratio was 4.3% after withholding the personal contribution of long-term care insurance.

to sum up, the annual maximum payment limit of large medical expenses subsidies for employees has been raised from 35, yuan in 222 to 42, yuan, and the annual maximum payment limit after the superposition of increased medical expenses subsidies for basic medical insurance is 5, yuan. Other qifubiaozhun, payment ratio and other treatment policies remain unchanged.

Legal basis:

Article 23 of the Social Insurance Law of the People's Republic of China

Employees shall participate in the basic medical insurance for employees, and both the employer and the employees shall pay the basic medical insurance premium according to the national regulations.

individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employing unit and other flexible employees can participate in the basic medical insurance for employees, and individuals will pay the basic medical insurance premium according to state regulations.