What does the medical insurance payment base mean? How to calculate?

1. What does the medical insurance payment base mean?

1, the medical insurance payment base refers to what base our medical insurance payment is based on and what proportion we pay. The current payment base of medical insurance is that the payment base of our social security is determined according to the average monthly salary of employees in the previous year, so different payment bases in different regions are different, and the premiums that everyone needs to pay will be different.

2. The medical insurance payment base is more important, which is a basis for employers to pay social security. The amount of payment base is the amount of premium when we pay, and the medical insurance payment base has upper and lower limits, depending on the situation in each region.

Second, how to calculate the medical insurance payment base?

The medical insurance payment base is determined according to 60%~300% of the average monthly salary of local employees in the previous year, as follows:

1. If the wage income of employees is higher than 300% of the local average monthly wage, 300% will be used as the payment base.

2. If the wage income of employees is lower than 60% of the local average monthly wage, 60% will be used as the payment base.

3. If the employee's wage income is between 60% and 300%, then the actual wage income will be used as the payment base.

Therefore, the higher the employee's salary, the higher the payment base of medical insurance, and the higher the premium to be paid and the treatment to be obtained. Therefore, if the economy allows, it is natural to pay as much as possible.

Third, will the medical insurance payment base be adjusted?

Generally speaking, the medical insurance payment base will not be adjusted at any time as long as it is determined. Generally speaking, the social security contribution base will be declared every year. Once the declaration is successful and the payment is successful, it can only be adjusted when the personal base is adjusted in the next year. The medical insurance payment base and social security payment base are also consistent, so the medical insurance payment base is relatively high, and the social security payment base will be relatively high.

When we pay premiums, if the payment base is high, we will receive more pensions after retirement, because the higher the social security payment base, the more we pay each month and the more money we have in our account.