The qifubiaozhun of the medical insurance pooling fund shall be controlled in principle at 10% of the average salary of local employees in the previous year. If the medical expenses are below the minimum threshold, they shall be paid from the personal account or by the individual.

Medical insurance is the insurance that every family unit must pay for its employees, so you must know the relevant procedures before you take part in work in your life. It is unfair to workers not to pay medical insurance for a long time. Therefore, you must learn to take up legal weapons and defend your legitimate rights and interests. If necessary, you can bring relevant documents directly to the local social security bureau for consultation. If the employer fails to pay for a long time, it can also avoid losses through labor arbitration.

1. What is the medical insurance pooling fund?

The medical insurance pooling fund means that most of the medical insurance premiums paid by the employer are paid by the employer when paying the medical insurance premiums, so it also solves the medical expenses required by employees when they are seriously ill, and also embodies the principle of social fairness. As a laborer, we must know the relevant legal knowledge in life. If you break off diplomatic relations for too long, it is likely to affect your future pension. If you can't pay for the medical care of employees, you can also choose to join the new rural cooperative medical system, which can also help you share the risks better.

2. What is the payment standard of the medical insurance pooling fund?

The average annual wages of employees in different provinces and cities in China are different, and the maximum payment limit of the basic medical insurance pooling fund is also different. I suggest that if you want to know the payment standard of your own medical insurance pooling fund, you'd better bring relevant documents to the local social security bureau for consultation. It should be noted that those who exceed the payment standard of the medical insurance pooling fund enjoy better welfare benefits.

3. What is my personal opinion?

I think five insurances and one gold are the insurance funds that every employer must pay according to law, and also the rights that every worker must enjoy according to law. Before joining a unit, you must inquire about it in many ways, so as to better avoid your own losses.