If the monthly salary of the insured exceeds 150% of the average monthly salary of employees in this Municipality last year, the expenses shall be paid according to 150% of the average monthly salary of employees in this Municipality last year. The specific medical insurance payment base is determined according to the actual situation in each region. Once determined, it shall not be changed within one year.
Medical insurance explanation:
Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.
The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".
1. Can I get a refund if I buy medical insurance?
When the medical insurance relationship is terminated, the personal account balance of medical insurance can be returned, but the original deposit amount cannot be returned. The basic medical insurance for urban residents is an integral part of social medical insurance. The government-led medical insurance system, with individual (family) contributions as the main contribution and moderate government subsidies as the supplement, is adopted to provide medical needs for urban residents in accordance with the principle of consistent payment standards and treatment levels.
Second, how to pay medical insurance?
There are two kinds of medical insurance participation systems in China: one is the medical insurance for urban workers paid by migrant workers with employers, which is enforced by the state. To put it bluntly, there is a company that pays part for you, and individuals only need to bear a small part; The other is the urban and rural residents' medical insurance paid by the unemployed (that is, the merger of urban residents' medical insurance and new rural cooperative medical system in the past). Whether you are a rural hukou or an urban hukou, the elderly or students can participate in the insurance. All expenses must be borne by yourself, but the money paid is less than the employee's medical insurance, and it is not mandatory.
legal ground
"People's Republic of China (PRC) Social Insurance Law" Article 23 * * * employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations. Article 25 The state establishes and improves the basic medical insurance system for urban residents.
The basic medical insurance for urban residents combines individual contributions with government subsidies.
People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.