The monthly payment base of medical insurance is the payment base of medical insurance, which is determined according to the average monthly wage income of the previous year and used to calculate the medical insurance expenses that individuals and units should pay. The monthly payment base of medical insurance cannot be used directly, but is used to pay the medical expenses of the insured, including hospitalization expenses, outpatient expenses, medicine expenses, etc. These expenses are managed by the medical insurance fund, and individuals cannot directly withdraw or use these funds. Specifically, when the insured needs medical services due to illness or accidental injury, the medical insurance foundation will pay part or all of the medical expenses according to the medical insurance policy. The establishment of the medical insurance payment base is to ensure the stable operation of the medical insurance fund and the medical security of the insured. Therefore, the insured person needs to pay the medical insurance premium according to the prescribed payment base in order to enjoy the corresponding medical security benefits.

In addition, the medical insurance department will supervise and audit the use of medical insurance funds to ensure the compliance and effectiveness of the use of funds. At the same time, it will also supervise the behavior of medical institutions and drug suppliers to prevent excessive medical treatment and drug abuse. This can ensure the safety of the medical insurance fund and the rights and interests of the insured.

How to calculate the medical insurance payment base?

Generally speaking, the payment base of medical insurance is the average monthly salary of the insured workers in the previous year.

If my average monthly salary last year was lower than 60% of the average monthly salary of employees in this city last year, I will pay medical insurance premiums according to 60% as the payment base.

If my average monthly salary in the previous year is higher than 300% of the average monthly salary of employees in this city in the previous year, the higher part is not included in the payment base, that is to say, the premium can only be paid by 300% at most.

If my average monthly salary last year was between 60% and 300% of the average monthly salary of employees in this city last year, I will pay the medical insurance premium as the payment base according to the actual salary level.

To sum up, it is Bian Xiao's relevant answer to whether the monthly payment base of medical insurance can be used. I hope I can help you.

legal ground

Article 90 of People's Republic of China (PRC) Social Insurance Law

If the social insurance premium collection agency arbitrarily changes the base and rate of social insurance premium payment, resulting in underpayment or overpayment of social insurance premium, the relevant administrative department shall order it to recover the social insurance premium that should be paid or refund the social insurance premium that should not be paid; The directly responsible person in charge and other directly responsible personnel shall be punished according to law.