Medical insurance refers to the insurance that pays the insurance premium on the condition that the medical behavior agreed in the insurance contract occurs, and provides protection for the medical expenses of the insured during the medical treatment.
Medical insurance is compulsory and needs to be paid, with the cooperation of employers and individuals. Of course, for the unemployed, it needs to be paid by individuals, so that when they get sick, medical expenses can be greatly reduced and personal interests can be better protected.
For old-age insurance, the proportion paid by individuals is 8%, and for medical insurance, the proportion paid by individuals is 2%, which means that the proportion paid by old-age insurance and medical insurance is different.
legal ground
Article 12 of the full text of the Social Insurance Law of People's Republic of China (PRC) * * * The employer shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.
The full text of People's Republic of China (PRC) Social Insurance Law Article 13 Before employees of state-owned enterprises and institutions participate in the basic old-age insurance, the basic old-age insurance premium that should be paid during the payment period shall be borne by the government. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.
The full text of the Social Insurance Law of People's Republic of China (PRC) 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.