County (city) administrative department of social insurance is in charge of the management of basic medical insurance for employees within their respective administrative areas, and social insurance agencies are responsible for the collection, management, treatment review and payment of basic medical insurance funds for employees.
Finance, health, food and drug supervision, price, auditing, civil affairs and other departments shall, in accordance with their respective responsibilities, do a good job in the management of basic medical insurance for employees. Article 5 The basic medical insurance for employees in this Municipality combines social medical assistance, unit supplementary medical insurance, civil service medical subsidies and commercial medical insurance to form a multi-level medical security system for employees. Chapter II Raising of Basic Medical Insurance Fund for Employees Article 6 The income of the basic medical insurance fund for employees includes basic medical insurance premiums paid by employers, employees and flexible employees, interest income, financial subsidy income, transfer income, premium income from superiors and subordinates and other income. Article 7 The employing unit shall pay 9% of the total wages of employees in the last month to the social insurance agencies of cities and counties (cities), and the employees shall pay 2% of their wages in the last month (hereinafter referred to as the payment wages), which shall be withheld and remitted by the employing unit on a monthly basis.
If the monthly salary of employees is lower than 60% of the average monthly salary of employees in this Municipality last year, all units and individuals shall pay 60% of the average monthly salary of employees in this Municipality last year. Article 8 Flexible employees can pay according to the ratio of 10% and set up a personal account based on the average monthly salary of employees in this city in the previous year, or they can pay according to the ratio of 5.5% without setting up a personal account. Article 9 Where an employer terminates, cancels, dissolves or goes bankrupt according to law, it shall give priority to paying the basic medical insurance premium in accordance with the relevant provisions of the state and the province.
The bankrupt enterprise shall pay the medical insurance premium of 10 year for the retirees of this unit at one time according to the per capita medical expenses of retirees in this city in the previous year. Tenth employees' basic medical insurance fund shall bear interest in accordance with the following provisions:
(a) the part raised in that year shall bear interest at the bank deposit rate;
(2) The fund principal and interest carried forward from the previous year shall bear interest at the bank's three-month lump-sum deposit rate;
(3) The deposited funds deposited in the social security financial special account shall bear interest according to the bank's three-year lump-sum deposit rate, which shall not be lower than the interest rate of this grade. Eleventh basic medical insurance funds for employees are divided into pooling funds and individual account funds.
Overall fund refers to the part deducted from the personal account from the income of the employee's basic medical insurance fund.
Personal account funds include individual contributions of employees and the part transferred from fund income to personal accounts. Personal account funds and their interest are owned by individuals. Article 12 The employee's personal account fund shall be transferred according to the following provisions: 0.8% of the employee's monthly salary is under the age of 35; 65438 over 35 and under 45+0% of my monthly salary; 65438+0.5% of monthly salary if you are over 45 years old.
The basic medical insurance premium paid by employees whose monthly salary is higher than 300% of the average monthly salary of employees in this city last year, and 50% is included in personal accounts.
The personal account funds of flexible employees are transferred according to the following provisions: 2.8% of my monthly salary under 35 years old; 3% of the person's monthly salary if he is over 35 years old and under 45 years old; 3.5% of the monthly salary for those over 45 years old.
Retirees' personal account funds shall be allocated according to 4% of their monthly basic pension (pension), with a guaranteed ceiling. Among them, if the monthly transfer amount under the age of 60 is lower than that in 50 yuan, it will be included in 50 yuan, with a maximum of 170 yuan; If the monthly transfer amount over 60 years old and under 70 years old is lower than that in 60 yuan, it will be included in 60 yuan, with a maximum of 190 yuan; If the monthly remittance amount over 70 years old and under 80 years old is lower than that of 70 yuan, it will be included in 70 yuan, and the maximum amount will not exceed that of 220 yuan; If the monthly transfer amount is lower than that of 80 yuan, it will be included in 80 yuan, and the maximum amount will not exceed that of 220 yuan; If the monthly transfer amount over 90 years old is lower than that of 90 yuan, it will be transferred to 90 yuan, and the maximum amount will not exceed that of 220 yuan. Thirteenth the city through personal account adjustment and other ways to establish a general outpatient co-ordination system. The specific measures shall be formulated separately by the municipal administrative department of social insurance. Chapter III Basic Medical Insurance for Employees Article 14 The medical expenses incurred by the insured for inpatient and outpatient diseases and general outpatient diseases shall be paid by the overall fund in accordance with the prescribed proportion.
The insured person meets the medical expenses that should be borne by the individual in accordance with the provisions of the basic medical insurance for inpatient and outpatient diseases and general outpatient services, and the expenses for purchasing medicines at designated retail pharmacies can be paid by personal accounts.