How to calculate the proportion of medical insurance

First, how to calculate the proportion of medical insurance payment

Individual employees pay 2% of their average monthly salary in the previous year, which is withheld and remitted by the unit on a monthly basis.

Example: Wang's monthly salary is 900 yuan, and the monthly basic medical insurance premium payable is 900 yuan *2%= 18 yuan. Laid-off workers from state-owned enterprises who entered the re-employment service center, their basic medical insurance premiums (including unit contributions and individual contributions) were paid by the re-employment service center at 60% of the average monthly salary of employees in this city in the previous year, and retirees did not pay the basic medical insurance premiums.

Pension insurance payment ratio: 20% for the unit (all included in the overall fund) and 8% for the individual (all included in the personal account).

The proportion of medical insurance payment: 8% for the unit and 2% for the individual.

Unemployment insurance payment ratio: 2% for the unit and 0/%for the individual;

Work-related injury insurance payment ratio: the unit pays you 1% every month, and you don't have to pay a penny yourself.

Second, how many years can medical insurance contributions be enjoyed for life?

Men have to pay for at least 25 years, and women have to pay for at least 20 years to enjoy lifelong medical insurance benefits. The insured is 60 years old for male and 55 years old for female. The payment period for men is not less than 25 years, and that for women is not less than 20 years. The actual payment period of basic medical insurance premium must not be less than 15 years, and you can enjoy medical insurance benefits after retirement.

If the minimum age requirement is not met before retirement, the medical expenses of the actual payment period can be supplemented at one time. It is best to pay social security early, and you can enjoy lifelong medical security after retirement.

Employees who meet the following three conditions before retirement can enjoy medical insurance benefits:

1. Men have paid medical insurance premiums for 25 years and women for 20 years.

2. Or the actual payment of medical insurance premium is over 10 years (120 months).

3. Reach retirement age.

Third, how long will it take effect after the medical insurance payment?

After purchasing medical insurance for the first time, 1 takes effect in June of the following month and enjoys medical insurance benefits. After continuous payment, continue to enjoy medical insurance benefits. In addition, if it is the new rural cooperative medical system, the insured person needs to pay between September-1 1 every year, and it will take effect in June of the following year. If you miss the payment time, you may have to wait until the second year to concentrate on payment, which is subject to the local new rural cooperative medical policy.

Because the medical insurance policy is not uniform throughout the country, you can call the social security customer service number 12333 for consultation in advance if you want to join the insurance.