The difference between 9.5% and 5% of medical insurance contributions.

Legal analysis: first, individuals pay social medical insurance in different grades; The difference between the two:

65438+

2, 4 files, individuals pay the basic medical insurance fund rate of 9%, personal account fund rate of 2% (different places), the establishment of personal accounts, you need to participate in large-scale subsidized medical insurance at the same time, enjoy the basic medical insurance annual cap line XX million yuan, large-scale subsidized medical insurance annual cap line XX million yuan treatment.

Two, the scope of protection of personal identity insurance and the proportion of payment:

1, endowment insurance premium: 20% paid by individuals;

2. Medical insurance premium: individuals pay 5%.

Third, medical insurance:

1 means that the basic medical insurance premium is paid in full and on time by the employer and individual employees according to the compulsory principle of social insurance through national legislation;

2 did not pay in full and on time, regardless of personal accounts, the basic medical insurance fund will not pay its medical expenses;

3. Medical insurance is insurance to compensate medical expenses caused by diseases;

4. Social insurance (such as free medical care and labor insurance in China), where employees get necessary medical services or material help due to illness, injury or childbirth;

5. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste;

6. If the insurance liability accident needs to be handled, the insurance premium shall be paid in proportion.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premium in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.