1. You can check your payment and personal account transfer at the medical insurance agency in your area. It mainly includes pension insurance, medical insurance, work-related injury insurance, unemployment insurance and maternity insurance. If you are a flexible employee, social security is fully borne by you, and you only need to pay pension insurance and medical insurance. For medical insurance, from the date of payment, if you are hospitalized due to illness, the individual will only bear 40% of the medical expenses, and the medical insurance department will bear 60%. At the statutory retirement age, in addition to hospitalization and insurance benefits, the medical insurance department pays your medical card fees every month. You can buy medicine at a pharmacy or go to a hospital for outpatient treatment. In other words, the role of social security is to solve the pension and medical problems of the elderly.
2. Social security payment ratio, taking 3,000 yuan as an example for pension insurance: the unit pays 20%, which is 600 yuan; the individual pays 8%, which is 240 yuan2. Unemployment insurance: The unit pays 1.5%, which is 45 yuan; the individual pays 0.5%, which is 153. Work-related injury insurance: One item is paid by the unit. 0%, which is 30 yuan; individuals do not pay 4. Maternity insurance: 0 yuan paid by the unit. 8%, which is 24 yuan; individuals do not pay 5. Medical insurance: The unit pays 10%, which is 300 yuan; individuals pay 2% and 3 yuan, which is 603 yuan.
3. Two lines, the starting line and the capping line. Of course, the starting line is not important to me. Usually it ranges from a few hundred yuan to one or two thousand yuan. The maximum limit is generally dozens of times the average salary in the local society, about 200,000 to 400,000. In short, those below the starting line and above the cap cannot be compensated. The reimbursement ratio is generally between 50% and 70%. Compared with 100% reimbursement by commercial medical insurance, this reimbursement rate is slightly lower. The scope of medicines and treatments is too small. The medicines that can be reimbursed by medical insurance account for about 2% of the total medicines. A large number of good treatment methods such as self-financed drugs and imported drugs are used. Not reimbursable through health insurance. To catch up with a serious illness, medical insurance is obviously not enough, and commercial medical insurance is needed to supplement it. Next, I also sorted out the best-selling and cheapest medical insurance on the market: "Seven most cost-effective medical insurance market points!" Compared with medical insurance, commercial medical insurance is not limited to reimbursement ratios and treatment methods. Even most imported drugs and self-paid drugs are 100% reimbursed! As long as medical insurance reports the rest, commercial medical insurance can report it.