1. how to pay the medical insurance for urban workers who have jobs?

under normal circumstances, the employer has to pay 8% of the social security base (or recognized salary) and the individual has to pay 2%, which is directly deducted from the salary every month. When reaching the legal retirement age, men will pay for 25 years, and women will enjoy life after paying for 2 years.

This payment base is not static, it comes from the average salary of employees in this province and city last year. The minimum payment base is 6% of the average social salary in the previous year, and the maximum payment base is 3%. Just like the average salary in Zhengzhou in 218 is 4,575 yuan, then the minimum payment base in 219 is 4,575× 6% = 2,745 yuan, and the maximum payment base is 4,575 yuan.

as long as these two payment bases are determined, it means that no matter how low your salary is, even if it is lower than 2745, you must pay according to the minimum standard; If the salary is higher than 13725 yuan, no matter how high it is, it can only be paid according to the highest standard, but if the salary is between 2745 and 13725, it will be paid according to the actual salary.

For example, suppose that Xiao Zhang works in a company in Zhengzhou with a monthly salary of 1, yuan.

Then the monthly medical insurance fee that he needs to pay in the company = 1,× 8% = 8 yuan, and

the individual only needs to pay = 1,× 2% = 2 yuan.

2. how to pay the insurance for unemployed urban and rural residents?

The payment of medical insurance for urban and rural residents is lower than that for employees. The premium is generally determined according to a certain proportion of the per capita disposable income of local people, but there is no retirement benefit, and one year's insurance is paid, and the government will also give some financial subsidies.

Under normal circumstances, urban and rural residents' medical insurance (hereinafter referred to as urban residential insurance) should be paid in advance, that is, they can enjoy the medical insurance benefits for the whole year of the following year. For example, Zhengzhou can enjoy the medical insurance benefits for the whole year of 22 as long as it is handed over to 25 yuan in 219. If it fails to pay the fees, it means that they can't enjoy the medical insurance reimbursement for the next year. The specific payment depends on local policies.

The annual payment time is usually concentrated in the second half of the year. When it is due, the community will generally remind you that you are free to choose whether to pay or not. Especially now it is more and more convenient to do things, and you can renew your insurance directly by logging in to WeChat or Alipay.

how to calculate hospitalization reimbursement for medical insurance can save more

it is very important that medical insurance for urban workers and medical insurance for urban and rural residents pay different fees and enjoy different benefits.

The former pays more than the latter, and enjoys better treatment when reimbursing, which is mainly manifested in the reimbursement ratio. The reimbursement ratio of employees' medical insurance is generally 1%-2% higher than that of urban residential insurance. Taking Zhengzhou as an example, Baobei made a picture, and the difference is clear at a glance:

How to calculate medical insurance hospitalization reimbursement, and learn to save more < Suppose Xiao Zhang was hospitalized in a 3A hospital in Zhengzhou for a week because of appendicitis, during which the operation and hospitalization expenses * * * cost 12, yuan, and all of them were used in social security. < P > If he is a medical insurance for urban and rural residents,

then the reimbursement amount = (8,-2,) × 55% = 3,3 yuan

(12,-8,) × 65% = 2,6 yuan

, which means that he can finally reimburse 3,3+2,6 = 5,9 yuan at his own expense.

as to why we calculate the baby in this way, we will talk about it in detail later, but we can clearly see that it is the same hospitalization reimbursement, and the employee medical insurance is 3,268 yuan more than the urban and rural insurance, which ultimately saves nearly half of the expenses!