1. What does the medical insurance payment base mean?
The so-called medical insurance payment base refers to the calculation base for everyone to pay medical insurance with reference to a certain proportion.
The base of medical insurance payment in China is determined according to the salary of the insured. If the total salary of the insured exceeds 300% of the local average monthly salary of employees in the previous year, the medical insurance premium shall be paid at 300%.
If the total salary of the insured is lower than 60% of the average monthly salary of the local employees in the previous year, the medical insurance premium shall be paid at 60%.
The actual situation of medical insurance in different regions is different, so everyone needs to take the local payment base as the standard, and the general payment base cannot be changed within one year after it is determined.
Second, the higher the medical insurance payment base, the better?
The higher the better.
China's medical insurance adopts the combination of unification and separation, that is to say, individuals pay part and units pay part according to the corresponding proportion. These two parts of funds together form a personal account fund. Generally speaking, the proportion paid by units refers to the proportion paid by individuals, and the proportion paid by individuals depends on the social security base.
When paying medical insurance fees, the higher the base of payment, the more fees to be paid and the more fees to be paid by the unit. Therefore, for the insured, the higher the payment base, the better.
However, we need to remind everyone that the maximum payment base cannot exceed 300% of the average monthly salary of local employees in the previous year, and those who exceed 300% can only pay the premium at 300%.
3. Is medical insurance payment a basic salary?
The base of medical insurance payment is not necessarily salary.
Although the medical insurance payment base is generally based on the average wage income of employees in the previous year, in some specific cases, the medical insurance payment base is also different.
The so-called special circumstances refer to the basic wage income of the employees themselves. If it is lower than 60% of the local average wage in the previous year, this situation requires 60% as the base to pay premiums; If the employee's basic wage income is higher than 300% of the local average wage in the previous year, he can only pay the premium according to 300%.
Therefore, whether the medical insurance payment base of the specific insured person is my salary income depends on the actual situation.
The explanation of the meaning of medical insurance payment base ends here. The level of medical insurance payment base affects how much premium you need to pay when paying medical insurance fees. Generally speaking, the higher the payment base, the more premiums need to be paid.