Generally speaking, endowment insurance:

2% for the unit and 8% for the individual;

medical insurance: 8% for units and 2% for individuals;

unemployment insurance: 2% for employers and 1% for individuals.

industrial injury insurance and maternity insurance are all borne by enterprises, each about 1%, and individuals do not need to pay. The proportion paid by the unit varies slightly among enterprises in different regions and industries, subject to local regulations.

I. legal basis article 13 for the basic medical insurance premiums paid by employers and individual employees, social insurance agencies shall establish individual accounts for basic medical insurance (hereinafter referred to as individual accounts) and social pooling funds respectively.

personal accounts include all the basic medical insurance premiums paid by employees and part of the basic medical insurance premiums paid by the unit. Personal accounts are temporarily included in accordance with the following provisions:

(1) Employees under the age of 35 are included in 2.3% of their contribution wages;

(2) Employees aged 35 and above but under 45 years old shall be counted as 2.7% of their paid wages;

(3) Employees aged 45 years and above shall be counted as 3.5% of their paid wages;

(4) Retirees are counted as 5% of their pension. Among them, the monthly amount under 7 years old is lower than that in 6 yuan, which is included in 6 yuan; Those who are 7 years old or older and whose monthly amount is lower than that of 7 yuan are included in 7 yuan.

second, the personal account is included in the standard, which is calculated and determined by the municipal labor and social security administrative department according to the principle that the basic medical insurance premiums paid by all insured units are included in the personal account, accounting for about 35%, and adjusted in a timely manner after being reported to the municipal government for approval.

the basic medical insurance premium paid by the unit, after deducting the part included in the personal account, is all included in the social pooling fund.

Extended information:

Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It takes personal identity card as the identification code and stores detailed information such as personal identity card number, name, gender, and payment and consumption of account funds.

the medical insurance card is generally undertaken by the local designated agent bank, which is a kind of multifunctional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank with the personal account payment at the end of the month to allocate it to the personal medical insurance card of the insured employees.

Description of contents

Social medical insurance card, referred to as medical insurance card or medical insurance card, is a special card for personal account of medical insurance. With personal ID card as the identification code, it stores and records detailed information such as personal ID card number, name, gender, payment and consumption of account funds.

the medical insurance card is undertaken by the local designated agent bank, which is a kind of multifunctional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank with the personal account payment at the end of the month to allocate it to the personal medical insurance card of the insured employees.

Instructions for Use

Functions

A medical insurance card is a functional card with a chip, which is used for identity confirmation and personal account payment of medical insurance when visiting a doctor or a pharmacy. For example, the initial password of medical insurance card in Wuhan is 1234. Medical record, a kind of medical record, can be used in all designated hospitals in the same city to record medical treatment.

can I reimburse the social security medical insurance?

The so-called reimbursement for medical insurance hospitalization is not that you pay cash in advance, but that you issue a medical insurance card when you are hospitalized in a designated medical insurance hospital, so that the unified medical insurance settlement system can read the insured person's information and handle the hospitalization number. When you are discharged from hospital, the medical insurance system will not charge your "reimbursement" part-the overall payment part.

Outpatient reimbursement

Residents' medical insurance:

In an insurance year, if the general outpatient expenses incurred by insured residents in designated outpatient medical institutions are within 1 yuan (inclusive), residents' medical insurance fund will pay 3% and individuals will pay 7%; 1 yuan and above are taken care of by individuals.

Medical insurance for urban workers:

Not all the personal accounts on the medical insurance card of the insured person insured by the company are paid by themselves; The medical insurance card for flexible employees also has a monthly personal account in 15 yuan from last year, which can be used to pay outpatient expenses, which is equivalent to outpatient reimbursement (unless the insured belongs to civil servants or the unit has another reimbursement policy).

for medical insurance hospitalization, show the medical insurance card, read the card into the medical insurance system, pay the deposit (usually the threshold fee), and enter the expenses into the system. The system automatically classifies them as self-funded, Class A, Class B, etc. Class B pays 1% first, and then enters the basic medical care. According to the annual hospitalization times (more than one threshold fee is halved) and hospital level (different threshold fees and different overall planning ratios).

you can check online on the local social security website. Any insured person, with his ID number, enters the ID number in the "Personal Enquiry" section on the homepage of this website, and enters the passwords of ID numbers 12-17 as required. After entering, click "Personal Enquiry"-click "Designated Medical Insurance Institution" or "Designated Medical Insurance Pharmacy" to inquire. The website can also inquire about the cardholder's payment, personal account balance and historical consumption.