How did Shenzhen's medical insurance payment base drop in 2023?

The decrease in the base of medical insurance payment in Shenzhen in 2023 may be caused by the adjustment of relevant policies.

Medical insurance payment base refers to the basic amount used to calculate the amount of medical insurance payment for individuals and units. Under normal circumstances, the medical insurance payment base will be adjusted according to economic development, employment situation, social security policy and other factors.

The specific reasons for reducing the medical insurance payment base may need to refer to local policy documents or related reports in Shenzhen to obtain more accurate information. Generally speaking, the government may adjust the medical insurance payment base according to the economic situation and employment situation, so as to reduce the burden on enterprises and individuals and promote employment and economic development.

If you need more specific information, it is recommended to consult the local social insurance department or relevant professional institutions. It usually provides accurate policy explanations and specific operational guidance.

The Measures for Medical Insurance standardized the medical insurance system and established basic medical insurance systems for employees and residents respectively. Among them, the basic medical insurance for employees is divided into two forms: the first file and the second file according to the payment and corresponding treatment.

Strictly implement the medical insurance payment standard stipulated in Guangdong Medical Insurance Treatment List. The medical insurance method unifies the payment base and upper and lower limits of the first and second files of employee basic medical insurance. The payment base is their monthly salary, and the upper and lower limits of the payment base are adjusted to 300% and 60% of the average monthly salary of employees in full-caliber urban units in the city last year, which is significantly lower than before, effectively reducing the overall burden of enterprises in the city.

Due to the different establishment and treatment of individual medical insurance accounts, the first and second payment rates of basic medical insurance for employees are also different. The first file of employees' basic medical insurance remains unchanged at 8%, and the second file of employees' basic medical insurance implements the minimum rate stipulated by Guangdong Province at 2%.

The payment base of residents' basic medical insurance is the monthly disposable income of urban residents in this city in the previous year, and the rate is 1.8%. The responsibility for payment is shared by individuals and finance in proportion, and financial subsidies are appropriately tilted to children and college students.

Changes in medical insurance level of employees;

The basic medical insurance for employees is divided into two forms: Class I and Class II, which are different according to the payment and corresponding treatment. Among them, the first file of employee basic medical insurance corresponds to the first file of the original basic medical insurance, and the second file of employee basic medical insurance corresponds to the second file and the third file of the original basic medical insurance (the original third file is merged into the second file). Whether it is on-the-job employees, flexible employees or those who receive unemployment insurance benefits, they need to participate in the basic medical insurance for employees in accordance with the regulations in order to enjoy the corresponding medical insurance benefits.

To sum up, the payment base of residents' basic medical insurance is the monthly disposable income of urban residents in this city last year, and the rate is 1.8%. The responsibility for payment is shared by individuals and finance in proportion, and financial subsidies are appropriately tilted to children and college students.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums 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 their flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.