How much health insurance do you pay yourself every month?

The amount of medical insurance you pay each month is as follows:

1, the employer's contribution ratio is generally about 8% of the total salary, and the individual's contribution ratio is 2% of my salary, but it varies from place to place. For example, the proportion of basic medical insurance paid by Chengdu units is 6.5%, and the proportion of individual contributions is 2%;

2. In addition, the payment base will be adjusted every year. According to the regulations, the monthly payment base of units and employees shall not be lower than 60% of the average monthly salary of employees in the previous year, and shall not be higher than 300% of the average monthly salary of employees. The middle interval will be subject to the employer's own regulations.

How to pay personal medical insurance?

1. Commercial medical insurance is an integral part of the medical security system, and units and individuals participate voluntarily. The state encourages employers and individuals to participate in commercial medical insurance. Refers to the profitable medical insurance operated by insurance companies. Consumers pay a certain amount of insurance money, and when they encounter major diseases, they can get certain medical expenses from insurance companies;

2. At present, commercial medical insurance mainly includes hospitalization allowance type and expense reimbursement type. In the former, the insurance company compensates the insured for the losses during hospitalization with a fixed daily amount. This kind of product is not duplicated with social security or other types of commercial medical insurance, which is a good choice;

3. Commercial medical insurance only reimburses the medical expenses actually incurred by the insured, and the reimbursement scope of different commercial medical insurance is different. Expense reimbursement insurance can reimburse hospitalization medical expenses, but different products have different provisions on the scope of reimbursement. Some commercial medical insurance contracts stipulate that the actual medical expenses must be reimbursed within the scope of social security reimbursement. If compensation has been obtained from social security or other social welfare institutions, the insurance company will only pay the rest, if social security cannot be reimbursed (imported drugs, specific drugs, intensive care units, etc.). ), such commercial medical insurance can not be reimbursed, and its role is only to compensate for the part that needs to be borne by itself in proportion after social security reimbursement. However, some commercial medical insurance stipulates that as long as the actual and reasonable expenses are incurred, the insurance company can make compensation in proportion or after a certain deductible.

Will individuals get a refund if they pay medical insurance?

1, individuals who pay medical insurance will also get their money back. According to the relevant regulations, the medical insurance paid by employees will be cashed back, and the cash back balance can be used for medical treatment and medicine purchase. That is, as long as individuals pay social security normally every month, the social security bureau will return the money to the medical insurance card;

2. The money returned by the social security card is the individual payment part of medical insurance, and the total amount of the unit payment part is transferred to the individual account of medical insurance according to the provisions of the state.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

essay

The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.