The meaning of late fees:
It refers to a punitive payment collected from the payer within the prescribed payment period. Generally, according to the number of days exceeding the prescribed time limit, a certain percentage of the amount payable is charged every day. According to the theory of administrative law, late payment fee is an execution penalty in administrative enforcement and a punitive measure for payment beyond the prescribed time limit. The late payment fee is the money specified in the national laws and regulations, and no individual or other organization has the right to set it up privately; It is guaranteed by the compulsory force of the state.
Medical insurance:
Refers to the adoption of national legislation, according to the principle of compulsory social insurance, the basic medical insurance premium is paid in full and on time by the employer and individual employees. If it is not paid in full and on time, the basic medical insurance fund for its medical expenses will not be paid, regardless of personal accounts. Take the proportion of medical insurance payment in Beijing as an example: the employer pays 65,438+00% of its total payment base every month, and the individual employee pays 2%+ 120 yuan as a serious illness co-ordination.
Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste. Insurance liability accidents need to be handled, and the insurance money will be paid in proportion.
The role of medical insurance:
1 is conducive to improving labor productivity and promoting the development of production.
Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves the worries of workers, makes them work with peace of mind, can improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor.
2. Adjust income differences and reflect social equity.
Medical insurance is an important means for the government to adjust the income difference and redistribute income by collecting medical insurance premiums and paying medical insurance service fees.
3. An important guarantee for maintaining social stability.
Medical insurance helps sick workers economically, helps to eliminate social instability caused by diseases, and is an important social mechanism to adjust social relations and social contradictions.
4. An important means to promote social civilization and progress.
The social system of medical insurance and social mutual assistance reflects the new social relationship of "one party in trouble and all parties support" by sharing the risk of disease costs among the insured, which is conducive to promoting social civilization and progress.
5. An important guarantee for promoting economic system reform, especially the reform of state-owned enterprises.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 86 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay within a time limit or make up for it, and from the date of default, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.