Finally found it all, what insurance is now available to military personnel

Servicemen's casualty insurance is a financial compensation for military personnel who die or become disabled in battle or in the line of duty, as well as for junior non-commissioned officers and conscripts who become disabled due to illness. Military casualty insurance benefits are available to active-duty officers, civilian cadres, non-commissioned officers, conscripts and cadets under the supply system.

2

What are the conditions and payment standards for military casualty insurance?

When an active-duty soldier dies in combat or in the line of duty, the beneficiary of his/her legal insurance benefit can receive a lump-sum death insurance benefit. The standard of military death insurance benefit, which is periodically announced by the headquarters, is currently 500,000 yuan.

When an active-duty serviceman becomes disabled due to war, duty, or illness, he is entitled to military disability insurance according to the assessed level of disability, and the serviceman himself can receive a lump-sum disability insurance benefit. The military disability insurance benefit is determined by multiplying his salary income in the month when the disability occurs by the corresponding number of months of payment.

3

How do I apply for military casualty insurance benefits?

If you are eligible for military casualty insurance, you should apply in writing by yourself or the legal beneficiary of the insurance benefit, provide relevant supporting materials, and go through the approval procedures by the financial department of your unit in accordance with the regulations. Military casualty insurance benefits are paid to the beneficiary in accordance with the approved amount by the financial department of the unit in which the soldier lives.

4

How is the military casualty insurance treatment determined in case of aggravation of disability or secondary disability?

If a person who has already received a disability insurance benefit is assessed with a higher disability grade due to aggravation of disability, the difference will be made up in accordance with the standard of the increased disability grade; in the case of secondary disability, the disability insurance benefit will be received in accordance with the re-assessed disability grade; and in the case of death due to recurrence of an old injury, the death benefit will be paid in accordance with the nature of the death as determined.

Two military casualty insurance treatment

1

What is military casualty insurance?

In order to reflect the special nature of the military profession, when a soldier suffers a casualty, he or she receives casualty insurance benefits on top of the casualty insurance benefits, and then receives casualty additional insurance benefits. Military casualty insurance is a group commercial insurance purchased by the military from commercial insurance companies. Military casualty insurance treatment for active duty officers, civilian cadres, non-commissioned officers, conscripts and supply system trainees.

2

What are the conditions and payment standards of the Military Casualty Insurance?

When an active-duty soldier dies in combat or in the line of duty, or dies of illness, according to the nature of the death and the degree of risk of the task and post, the beneficiaries of the deceased soldier's legal insurance benefits shall receive the additional insurance benefits for military casualties in accordance with the corresponding standards.

When an active-duty serviceman becomes disabled due to war, duty, or illness, the serviceman himself can receive the Military Disability Supplementary Insurance Benefit in accordance with different percentages of the Military Death Supplementary Insurance Benefit according to the cause of the disability and the level of disability.

3

How to apply for the Military Casualty Supplemental Insurance Benefit?

If you are eligible to receive the Military Casualty Additional Insurance Benefit, the soldier himself or the beneficiary of the deceased soldier's additional insurance benefit will make a written application, provide relevant supporting documents, and the financial department of your unit will go through the approval procedures according to the regulations and pay the beneficiary of the insurance benefit according to the approved amount.

Three military retirement pension insurance treatment

1

What is military retirement pension insurance?

Servicemen's retirement pension insurance is to ensure that military personnel enjoy the pension insurance treatment stipulated by the state after retirement, and to solve the problem of convergence between military and local pension insurance policies. If a soldier withdraws from active service and participates in local basic pension insurance, the state gives him a pension insurance subsidy for retirement. This insurance cannot be paid directly to the person in cash.

2

What are the conditions for entitlement to the additional insurance benefits for military casualties and what are the payment standards?

Officers and civilian cadres who have been ordered to be transferred, demobilized or retired after July 1, 2012, and who have been assigned to work in enterprises and demobilized, as well as soldiers who have been retired from the military, are entitled to military retirement pension insurance benefits in accordance with the regulations.

In addition, in accordance with the policy of reforming the pension insurance system for staff of state organs and institutions, which came into effect on Oct. 1, 2014, the headquarters is currently studying the policy of convergence of military pension insurance for military personnel retiring to civil service positions or positions managed under the civil service law with reference to the civil service law.

3

How is the time of calculation of pension insurance benefits for military retirees determined?

Officers, civilian cadres and non-commissioned officers start from the month when they are approved for enlistment to the month when the army stops paying their salaries. Conscripts retiring at the end of their active service are calculated on the basis of 24 months, and conscripts retiring early and cadets under the supply system are calculated on the basis of the actual number of months of service.

4

If a soldier withdraws from active service to participate in basic pension insurance, how can he or she transfer the insurance relationship?

When a soldier leaves active service, the financial department of his unit calculates the amount of retirement pension insurance subsidy, and transfers the subsidy funds through the bank to the social insurance agency in the place of domicile or resettlement. Veterans should bring along the "Certificate of Military Retirement Pension Insurance Participation and Payment" and the "Information Form on the Transfer and Continuation of Military Retirement Pension Insurance Relationships", as well as a copy of the bank remittance voucher, and go to the social insurance agency of the place of domicile or resettlement in a timely manner to carry out the procedures for the continuation of the insurance relationship.

5

How is the number of years of pension insurance contributions calculated after military personnel leave active service?

After a soldier leaves active duty and goes through the procedures of transferring the basic pension insurance relationship in accordance with the regulations, the number of years of retirement pension insurance subsidy is taken as the number of years of participation in the insurance premiums for the first time in the place of domicile or the place of resettlement. For those who had participated in basic pension insurance before enlisting in the armed forces, the number of years of retirement pension insurance subsidy and the number of years of participation and contribution before enlisting in the armed forces shall be combined and calculated.

6

What are the implications of not going through the military retirement pension insurance transfer procedures in time?

National policy stipulates that participants can only receive a monthly pension after retirement when their accumulated contribution period reaches 15 years. If a veteran does not go through the procedure of transferring the retirement pension insurance relationship in a timely manner, it will directly affect the accumulation of years of contributions to the pension insurance and the amount of pension received after retirement.

Four Military Retirement Health Insurance Benefits

1

What is Military Retirement Health Insurance?

In order to ensure that military personnel are able to enjoy the medical insurance benefits stipulated by the state after they leave active service, and to realize the smooth convergence of the military medical insurance relationship, the state began to establish military retirement medical insurance in 2000. The object of the military retirement medical insurance treatment includes active military officers below the rank of division, civilian cadres below the fourth professional and technical level, non-commissioned officers, conscripts and cadets under the supply system.

2

What are the components of the Military Retirement Medical Insurance Fund?

The military establishes individual accounts for military officers and non-commissioned officers below the rank of divisions, and credits all four parts of the funds, namely, individual contributions, state subsidies, military age subsidies and interest income, to the individual accounts for retirement medical insurance, thus forming the Military Retirement Medical Insurance Fund. Soldiers enjoy free medical treatment during active service, and the funds in the individual account for medical insurance are only accumulated and not consumed during the military period.

3

How do military personnel handle the transfer of military retirement medical insurance relations when they leave active duty?

Officers, civilian cadres and non-commissioned officers, when they leave active duty and participate in the basic medical insurance for urban workers in accordance with state regulations, will carry the "Military Retirement Medical Insurance Individual Account Transfer Voucher" and bank remittance vouchers by themselves and go to the social insurance agency in the place where they are resettled to carry out the procedures for the continuation of the insurance relationship. Among them, the years of service of the retired military personnel shall be regarded as the years of contribution to the basic medical insurance for employees, and shall be calculated together with the years of contribution to the basic medical insurance for employees before enlisting in the armed forces and after quitting the active service. In accordance with state regulations do not participate in the basic medical insurance of urban workers, the retired military medical insurance premiums are issued to the person.

When conscripts leave active service, the retirement medical insurance premiums are paid in accordance with a uniform standard.

Five Military Traffic Accident Insurance Benefits

1

What is Military Traffic Accident Insurance?

Servicemen's Traffic Accident Insurance is a kind of group commercial insurance that the military uniformly buys from China Life Insurance Co. for all active-duty soldiers.

From January 1, 2013, active-duty military personnel can receive the Military Traffic Accident Insurance benefit if they are killed or disabled in a traffic accident while riding on civilian vehicles such as airplanes, automobiles (including cabs and buses, but not private vehicles), trains (including subways and light rails), and ships during their official business trips or on leave to visit their relatives as stipulated by the regulations.

2

What are the benefits of the Military Traffic Accident Insurance? What is the standard of insurance benefit?

Active-duty military personnel will receive benefits from their legal beneficiaries in the event of a traffic accident resulting in death while traveling on civilian-operated vehicles such as airplanes, automobiles, trains and ships.

Active-duty military personnel who are disabled as a result of a traffic accident while traveling on civilian transportation such as airplanes, automobiles, trains and ships will be paid according to different levels of disability.

3

How is the insurance benefit for military personnel in traffic accidents paid?

Servicemen who are eligible for the Traffic Accident Insurance shall apply in writing by themselves or the beneficiaries of the insurance benefits and provide relevant claim documents, and the insurance company will transfer the insurance benefits directly to the bank account designated by the beneficiaries after the approval procedures are unified by the headquarters. The beneficiary of the insurance benefit cannot apply for the insurance benefit from the insurance company in his/her personal name.

Six Unemployment Insurance Benefits for Veterans

1

What is Unemployment Insurance for Veterans?

In order to achieve smooth integration with the local unemployment insurance system and further safeguard the insurance rights and interests of military personnel, the state established the unemployment insurance system for veterans in 2013.

Army transfer cadres and demobilized army cadres assigned under the plan, as well as retired soldiers who have been arranged for work and self-employed, are entitled to unemployment insurance for retired soldiers. If they participate in unemployment insurance after their retirement from military service, their years of active military service are deemed to be equal to the number of years they have contributed to unemployment insurance.

2

How to transfer the unemployment insurance relationship of retired soldiers?

From August 1, 2013 onwards, the financial department of the unit at or above the regiment level issued a certificate of deemed years of contribution to unemployment insurance when the military personnel withdrew from active service, and if the retired military personnel were employed in urban enterprises and institutions, the social insurance agency in the place of employment would credit their deemed years of contribution to the individual contribution record. When a veteran becomes unemployed after actually participating in the local social insurance agency for one year, he or she shall enjoy the unemployment insurance treatment according to the regulations.

VII Commercial Medical Insurance Treatment for Troops Away from Military Medical Institutions

1

What is Commercial Medical Insurance for Troops Away from Military Medical Institutions?

In order to give full play to the mutual assistance function of insurance, and to solve the problem of "difficult to see a doctor" for grass-roots troops, the army has established a commercial medical insurance for troops who are far away from the army's medical institutions. From January 2013, the whole army small far scattered units according to their own actual situation, in order to military (divisional) level units on a voluntary basis, and China Life Insurance Company Limited provincial branch signed an insurance contract, centralized insurance.

2

What is the scope of commercial medical insurance benefits for troops far from military medical institutions?

Active military personnel, preferential medical dependents and employees who seek medical treatment within the military in units that are more than 100 kilometers away from military medical institutions within the health team (including) of their own formation, or whose time on the evacuation route exceeds three hours, are eligible for commercial medical insurance treatment.

VIII Insurance Treatment for Military Spouses Unemployed with the Military

1

What is insurance for military spouses unemployed with the military?

In order to solve the problems of basic livelihood protection and the establishment and connection of pension insurance and medical insurance relations during the period in which the spouses of military personnel are not employed with the military, the State set up an insurance system for the spouses of military personnel who are not employed with the military in 2004.

2

How is the scope of insurance coverage for military spouses who are not employed with the military limited?

There are six kinds of conditions for enjoyment: those who are not employed and have no income; those whose labor relations are attached to enterprises and institutions and who are actually not employed and have no income; those who are engaged in temporary and seasonal work without a labor contract and whose labor remuneration is lower than the local minimum wage; those who have interrupted their employment not because of their own will and who are no longer entitled to receive unemployment insurance benefits according to the regulations and who are not entitled to other unemployment insurance benefits; those who are not employed and have no income; and those who are not employed and are not entitled to other unemployment insurance benefits; and those who are not employed and have no income. treatment; not employed and no income, due to the military mobilization temporarily did not follow the transfer; the state and the military provisions of other circumstances.

The military personnel and their spouses **** the same application, and provide complete supporting materials, after the approval of the relevant departments, can enjoy the insurance treatment of military spouses who are not employed with the military.

3

What are the criteria for the insurance treatment of spouses of military personnel who are not employed with the military?

The insurance benefits for spouses of military personnel who are not employed with the military include three parts: basic living allowance, pension insurance allowance and medical insurance allowance. Specifically:

The basic living allowance is divided according to the degree of hardship and remoteness of the troops' residence, and the higher the degree of hardship and remoteness, the higher the standard.

Pension insurance is paid by individuals at the rate of 8% of the prescribed contribution base, and is withheld and paid by the financial department of the unit in which the soldier is stationed, and all of it is credited to the individual pension insurance account. When the pension insurance relationship is transferred to the local level, the State will provide a subsidy calculated on the basis of the sum of 12% of the actual contribution base for each year after January 1, 1998, which will be transferred to the local social security agency together with the full amount of the individual account.

Medical insurance contributions are made monthly at the rate of 1% of the basic living allowance received by the individual, and the State provides subsidies in the same amount, all of which are credited to the individual account for medical insurance.

4

How do I transfer the insurance relationship of a military spouse who is not employed with the military?

When transferring the pension and medical insurance relations of the spouses of military personnel who are not employed with the military, the spouses of the military personnel shall bring the vouchers of transferring the pension and medical insurance relations as well as the vouchers of remittance from the bank and go to the local social security agencies to carry out the formalities of transferring the insurance relations. Except in the case of death, settlement abroad, and other cases stipulated in the policy, the funds in the insurance personal account cannot be paid directly to the person himself/herself.

The contribution period for pension insurance and medical insurance of the spouses of military personnel during the period when they are not employed with the military is calculated together with their contribution period for basic employee pension insurance and basic employee medical insurance at the local level.