Refers to the statutory basic old-age insurance for employees, which is enforced by the state through legislation, so that employees can receive a certain amount of living expenses regularly according to law when they are old or completely incapacitated due to illness or work-related disability, so as to ensure their basic livelihood. It is the most important form of endowment insurance. The basic old-age insurance premium is generally shared by the state, enterprises and employees. The state pays part of it by exempting income tax. Enterprises pay from pre-tax profits, while individuals withhold from wages.
Inquire about the payment of endowment insurance:
(1) Go to the local social security fund agency; ② Call 12333 for consultation; (3) Access to the local social security network; (4) The unit will announce the individual payment and individual account accumulation to employees every year.
2. Basic medical insurance for urban residents: Interim Measures for basic medical insurance for urban residents in Chengdu.
Source: Chengdu Daily 2007-1-1605: 24: 58.
Sichuan News Network-Chengdu Daily:
Decree number. Chengdu Municipal People's Government 134
The "Interim Measures" of the basic medical insurance for urban residents in Chengdu have been discussed and passed at the ninety-fourth executive meeting of the municipal government on February 30, 2006, and are hereby promulgated and shall come into force as of the date of promulgation.
Mayor: Ge Honglin.
2007 1 month 1 day
Article 1 (Purpose Basis)
In order to further improve the urban and rural basic medical insurance system, ensure the basic medical care for urban residents, and gradually realize the medical security for everyone, these measures are formulated in accordance with the provisions of relevant laws and regulations and the actual situation in Chengdu.
Article 2 (Insurance Principles)
The basic medical insurance for urban residents shall follow the following principles:
(a) the level of insurance and social and economic development level, the implementation of district (city) county planning.
(two) the insurance system and the basic medical insurance for urban workers.
(three) the implementation of hospitalization medical social pooling, serious illness hospitalization, not to build a personal account.
(4) Equal rights and obligations.
(five) to individual contributions, supplemented by government subsidies, multi-party financing.
(six) the overall fund to receive fixed expenditure, balance of payments, a slight savings.
Article 3 (Competent Authority)
The municipal administrative department of labor security is the competent department of basic medical insurance for urban residents in this Municipality. The administrative department of labor security of the district (city) county is in charge of the basic medical insurance for urban residents within its administrative area. District (city) county social insurance agencies (hereinafter referred to as social security agencies) in accordance with the provisions of these measures, the specific undertaking of urban residents to co-ordinate the basic medical insurance business.
Article 4 (Insurance Scope)
The following persons with urban household registration within the administrative area of this Municipality shall participate in the basic medical insurance for urban residents:
(1) Urban residents who have reached the age of 18 and have not established labor relations with the employer within the working age;
(two) urban residents who have reached the age of 60 for men and 50 for women and have not participated in the basic medical insurance for urban workers.
These Measures shall not apply to the old Red Army, retired cadres, disabled revolutionary servicemen above Grade B, foreigners and Hong Kong, Macao and Taiwan personnel within the administrative area of this Municipality.
Article 5 (Payment Standards)
(a) Jinjiang District, Qingyang District, jinniu district, Wuhou District, chenghua district and High-tech Industrial Development Zone (hereinafter referred to as the five urban areas), the average wage of employees in Chengdu in previous years is the base of payment, and the payment ratio is 5%.
(2) The average wage of employees in other districts (cities) and counties in Chengdu in the previous year is the payment base, which is divided into three grades, namely100% of the average wage of employees in Chengdu in the previous year; 80% of the average wage of employees in Chengdu in the previous year; Last year, the average wage of employees in Chengdu was 60%, and the contribution rate was 4%. District (city) county governments can determine the specific payment grade according to the economic income of urban residents in the overall planning area.
The average wage of employees in Chengdu last year involved in the basic medical insurance for urban residents is subject to the average wage of employees in the whole city announced by the Municipal Bureau of Statistics.
Article 6 (Insurance Subsidies)
Urban residents who enjoy urban subsistence allowances are insured, and the government subsidy per person per year is not less than that of 300 yuan; Urban residents of low-and middle-income families who are insured, men over 60 years old and women over 50 years old, receive an annual subsidy of not less than that of 50 yuan. The specific subsidy standard is determined by the county (city) government in the overall planning area according to local conditions. The required funds, according to the principle of territorial management, shall be borne by the district (city) county government.
Article 7 (Term of Payment)
The insured shall continuously pay the basic medical insurance premium for urban residents, and the renewal for more than 2 months shall be deemed as renewal.
(1) Persons who have reached the age of 70 at the time of initial enrollment and have paid for more than 10 years continuously shall enjoy the basic medical insurance for urban residents for life according to the comprehensive average payment index.
(2) Persons who have reached the age of 60 and under the age of 70 at the time of initial enrollment and have paid for more than 15 years continuously will enjoy the basic medical insurance benefits for urban residents for life according to the comprehensive average payment index.
(3) Persons who have reached the age of 50 and under the age of 60 at the time of initial enrollment, who have paid for more than 20 years continuously, will enjoy the basic medical insurance benefits for urban residents for life according to the comprehensive average payment index.
(four) the first insured persons under the age of 50, continuous payment for more than 25 years, according to the comprehensive average payment index, enjoy the basic medical insurance for urban residents for life.
(5) For those who have participated in the basic medical insurance for urban residents and transferred to the basic medical insurance for urban employees, the conversion period of the original basic medical insurance for urban residents and the continuous payment period of the basic medical insurance for urban employees have accumulated more than 15 years, and they have paid the basic medical insurance for urban employees continuously for not less than 10 years before reaching the statutory retirement age after the insurance relationship is transferred, and they will enjoy the basic medical insurance benefits for urban employees for life when they reach the statutory retirement age.
Author: Leaping Development 2007-1-1813: 59 Reply to this speech
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Interim Measures of Chengdu Municipality on Basic Medical Insurance for Urban Residents
Article 8 (Mode of Payment)
The basic medical insurance premium for urban residents is levied monthly or annually, and the premium paid will not be refunded.
Article 9 (Connection of Insurance Relationship)
After establishing a labor relationship with the employer, the insured of the basic medical insurance for urban residents will participate in the basic medical insurance for urban workers. The original payment period can be converted according to a certain proportion, and the five districts can be converted into 1 year every two years. Other districts (cities) and counties' specific conversion methods shall be determined by the overall regional (city) and county governments.
Those who have participated in the basic medical insurance for urban workers shall not be transferred to the basic medical insurance for urban residents in principle. If it is really necessary to transfer to urban residents' insurance due to special circumstances, it can only be transferred to the original social security institution. At the same time, the maternity insurance premium will be levied together with the basic old-age insurance premium.
Article 10 (Insurance Benefits)
The one-time hospitalization medical expenses incurred by the insured persons of the basic medical insurance for urban residents in the designated medical institutions of the basic medical insurance for urban employees that meet the requirements of the basic medical insurance for urban employees shall be paid by the overall fund according to the following standards:
(a) five urban areas according to the basic medical insurance for urban workers as a whole fund payment standards.
(two) other districts (cities) county payment base 100%, according to the basic medical insurance for urban workers as a whole fund payment standards; If the payment is based on 80% of the payment base, it will be paid according to 80% of the payment standard of the basic medical insurance fund for urban workers; According to the payment base of 60%, according to the basic medical insurance fund for urban workers to pay 60% of the payment standard.
Article 11 (Qifubiaozhun)
Qifubiaozhun of urban residents' basic medical insurance pooling fund shall be implemented with reference to Qifubiaozhun of urban workers' basic medical insurance pooling fund.
Article 12 (Maximum Payment Limit)
The maximum payment limit of the urban residents' basic medical insurance co-ordination fund is: in a natural year, the medical expenses paid by the co-ordination fund for individuals are four times the base of the insured before admission.
Article 13 (Time Limit for Payment of Benefits)
In the basic medical insurance for urban residents and continuous payment, the payment period of insurance benefits is:
(a) in February 2007, 365438+February 3 1 before the insured payment, the medical expenses incurred in the next month of hospitalization shall enjoy the medical insurance benefits stipulated in these measures.
(2) Medical expenses incurred after 65438+February 3 1 2007, since the date of enrollment1February, shall enjoy the medical insurance benefits stipulated in these Measures.
(3) If the insurance premium is paid intermittently for more than 2 months, the medical expenses incurred in hospitalization after 12 months from the date of renewal shall enjoy the medical insurance benefits stipulated in these Measures.
(four) to participate in the basic medical insurance for urban residents and establish labor relations with the employer to participate in the basic medical insurance for urban workers, and their medical insurance benefits shall be implemented in accordance with the relevant provisions of the basic medical insurance for urban workers.
Article 14 (non-payment)
The basic medical insurance fund for urban residents shall not pay the following fees:
(a) in addition to the designated medical institutions for rescue.
(two) medical expenses incurred during the interruption of payment.
(3) Injuries caused by traffic accidents, medical accidents or other accidents.
(4) Being injured by taking drugs, fighting, breaking the law, etc.
(five) due to self-injury, self-mutilation, alcoholism, detoxification, sexually transmitted diseases and other treatment.
(six) because of beauty, plastic surgery, physical defects and other treatment.
(seven) without the approval of social security institutions.
(eight) other expenses that are not paid as stipulated by the national and provincial medical insurance policies.
Due to the injury caused by traffic accidents, the medical expenses incurred in medical treatment in designated medical institutions can be included in the payment scope of the basic medical insurance fund for urban residents, except for enjoying the relevant compensation, if they can provide the relevant escape certificate issued by the public security traffic management department and verified by the social security agency.
Article 15 (Solutions)
The medical expenses incurred by the insured during hospitalization, which belong to the scope of payment of the basic medical insurance fund for urban residents, shall be settled by social security institutions and designated medical institutions; Belong to the insured pays and at his own expense, by the insured and the designated medical institutions settlement.
At the time of admission, individuals should pay a certain amount of advance payment to designated medical institutions to pay the expenses that should be borne by individuals. The specific amount of advance shall be determined by the designated medical institutions according to the condition, and the designated medical institutions and individuals shall make settlement at the time of discharge. Designated medical institutions shall issue receipts to the payer when collecting fees.
Article 16 (Fund Management)
The basic medical insurance fund for urban residents shall be incorporated into the unified management of the basic medical insurance fund for urban employees, and the financial accounts shall be accounted for separately, and no unit or individual may misappropriate it.
Author: Leaping Development 2007-1-1813: 59 Reply to this speech
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Interim Measures of Chengdu Municipality on Basic Medical Insurance for Urban Residents
The funds for social security institutions to handle medical insurance business shall be solved by the financial budget at the same level and shall not be drawn from the medical insurance fund.
Article 17 (Supervision of Capital Revenue and Expenditure)
The administrative department of labor security and the financial department are responsible for the supervision and management of the basic medical insurance fund for urban residents; The audit department is responsible for regularly auditing and supervising the basic medical insurance fund for urban residents. Social security agencies are responsible for collecting and managing the basic medical insurance fund for urban residents, paying medical insurance benefits in a timely manner according to regulations, and establishing and improving the budget and final accounts system, financial accounting system and internal audit system.
Article 18 (Disposal of Fund Overexpenditure)
When the urban residents' basic medical insurance fund overspends, the administrative department of labor security shall report to the government at the same level in time, and the government at the same level shall take measures to solve it.
Article 19 (Protection of Persons)
The staff required by the basic medical insurance agency for urban residents shall be solved by the district (city) county government according to the needs of the work.
Article 20 (Management of Medical Services)
The basic medical insurance for urban residents is managed by designated medical institutions. The specific measures shall be implemented in accordance with the "Administrative Measures for Designated Medical Institutions of Basic Medical Insurance for Urban Employees" formulated by the administrative department of labor security and health.
Article 21 (Responsibility of Designated Medical Institutions for Violation of Rules)
Designated medical institutions and their staff violate the provisions of medical insurance policies, resort to deceit, abuse drugs, illegal charges, etc. , social security agencies have the right to deal with according to the agreement; The administrative department of labor security can give criticism and education according to different situations, or suspend the basic medical insurance business, or cancel the qualification of designated medical institutions.
Article 22 (Liability for Insurance Fraud)
If the insured defrauds the medical insurance fund by means of concealment or fraud, the social security institution has the right to refuse to pay. If it has been paid, it shall be ordered to return it according to law; Refuses to return, the administrative department of labor and social security may, in accordance with the provisions of the State Council's "Provisional Regulations on the Collection and Payment of Social Insurance Fees", impose a fine of more than 500 yuan 1000 yuan; If a crime is constituted, criminal responsibility shall be investigated by judicial organs according to law.
Article 23 (Responsibility for Violation of Management)
The administrative department of labor and social security, social security agencies staff abuse of power, corruption, dereliction of duty, resulting in the loss of the basic medical insurance fund for urban residents, by the social security agencies to recover the loss of the medical insurance fund, given administrative sanctions; If a crime is constituted, criminal responsibility shall be investigated according to law.
Article 24 (Detailed Rules for Implementation)
District (city) county governments shall, in accordance with the provisions of these measures, formulate detailed rules for implementation in light of local conditions and report them to the municipal government for the record. Its basic principles, coverage, payment standards, treatment level, fund management and other systems should be basically consistent with these measures.
Article 25 (Supplementary Medical Insurance)
Those who participate in the basic medical insurance for urban residents may voluntarily participate in the supplementary medical insurance for urban hospitalization in Chengdu.
Article 26 (Meaning of Terms)
The term "above" and "below" as mentioned in these Measures all include this number.
Article 27 (Power of Interpretation)
The problems in the specific application of these Measures shall be interpreted by the Chengdu Municipal Bureau of Labor and Social Security.
Article 28 (Implementation Date)
These Measures shall come into force as of the date of promulgation. Where the relevant provisions formulated by this Municipality in the past are inconsistent with these Measures, these Measures shall prevail.
Interpretation of the Trial Measures of Basic Medical Insurance for Urban Residents in Chengdu
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Sichuan Online (2007-10-0207:14: 08) Source: Sichuan Online-Huaxi Daily.
"What is the difference between the basic medical insurance for urban residents after the pilot and the basic medical insurance for urban employees implemented in June+10 this year?" "Can the children of migrant workers studying in Chengdu be insured?" Yesterday, after Chengdu started the pilot work of basic medical insurance for urban residents, Chengdu citizens called this newspaper for consultation. Yesterday, the reporter interviewed the relevant person in charge of Chengdu Labor and Social Security Bureau about the influence of the Pilot Measures for Basic Medical Insurance for Urban Residents in Chengdu (hereinafter referred to as the "new measures") and the Interim Measures for Basic Medical Insurance for Urban Residents in Chengdu (hereinafter referred to as the "old measures") on the insured in June this year.
If you pay less, the personal contribution will be reduced at least 188 yuan.
According to reports, the old method of 1 this year stipulates that the payment standard for non-student children and urban residents is the average salary of employees in Chengdu in the previous year: the average salary of employees in Chengdu (Jinjiang, Qingyang, Jinniu, Wuhou, Chenghua and Gaoxin) is the payment base, and the payment ratio is 5%; The payment base of other districts (cities) and counties is divided into three grades:100% of the average salary of employees in Chengdu last year; 80% of the average wage of employees in Chengdu in the previous year; Last year, the average wage of employees in Chengdu was 60%, and the contribution rate was 4%. Implement monthly or annual collection. 5438+ 10 The new method introduced in June stipulated that the per capita disposable income of urban households in Chengdu in the previous year should be calculated uniformly. Implement annual collection.
Comparison between old and new payment methods
Both the old and new payment methods are based on the payment 1 year of the eligible personnel in the urban area:
The old method: 19293 yuan (average wage of workers in Chengdu in 2006) × 5% = 964.65 yuan.
The new method: 12789 yuan (per capita disposable income of urban households in Chengdu in 2006) ×2.5% = 3 19.73 yuan. Approved by the inter-ministerial joint meeting of the Provincial Department of Labor and Social Security, the payment standard for non-student children residents in 2007 was set as 320 yuan.
Comparison of subsidies between old and new methods
Both methods give subsidies to urban residents who participate in the insurance:
The old method: urban residents who enjoy the minimum living guarantee in the city are insured, and the annual subsidy from the government is not lower than that of 300 yuan; Urban residents from low-and middle-income families who are insured, men over 60 years old and women over 50 years old, receive an annual subsidy of not less than 50 yuan;
New method: every insured person will be subsidized to 45 yuan, and there will be subsidies under special circumstances.
"The fees paid by individuals are the difference after deducting the subsidies given by governments at all levels. Personal expenses are lower than the original expenses 188 ~ 690 yuan. " The relevant person in charge of the Medical Insurance Department of Chengdu Labor and Social Security Bureau said that after deducting government subsidies, the payment of the new method is much lower than that of the old method. It is estimated that after the payment is about 2.5% of that of per capita disposable income, the average reimbursement expenses of residents will also reach about 53%.
Children of migrant workers studying in Chengdu can also be insured.
"Can the children of migrant workers studying in Chengdu participate in the basic medical insurance for urban residents?" Yesterday, many migrant workers called for advice. According to reports, a feature of the new method is that children under the age of 18 are included in the scope of insurance coverage, and the household registration restrictions for registered students in primary and secondary schools and children accompanying kindergartens are cancelled. In other words, both children of urban residents and children of migrant workers are eligible for insurance as long as they study in primary and secondary schools and kindergartens in Chengdu. In addition, after participating in the basic medical insurance for urban residents, the reimbursement rate increased by 15% compared with that of the children's mutual fund.
3. New rural cooperative medical system: The new rural cooperative medical system, referred to as the "new rural cooperative medical system", refers to the system of mutual medical assistance and economic assistance for farmers organized, guided and supported by the government, with farmers participating voluntarily and raised by individuals, collectives and the government in various ways. Take individual contributions, collective support and government funding to raise funds.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.