How to handle personal social medical insurance?

How to pay personal social medical insurance?

When individuals purchase social insurance:

1. Individuals who pay social security can apply for social security (pension+medical care) as freelancers.

2. Insurance conditions: urban hukou or rural hukou.

3. Handling place: local community street social security service points, or district and county social security bureaus (labor and social security bureaus).

4. How do individuals pay the basic information needed in social security issues: household registration book, ID card and photocopy, and two 1 inch photos.

5. Payment standard: based on the local social wage in the previous year, the proportion of pension payment is 20%, and that of medical care is about 9%. At present, 80% and 100% are still available.

There are two ways to calculate individual social security contributions.

First, it is paid by the unit. That is, units and individuals pay the same fees. In this way, the part paid by the unit and the part paid by the individual shall be paid according to a certain proportion of the average monthly salary of the individual in the previous year. The individual part is paid according to 8% of the average salary of the individual in the previous year, 2% for medical insurance and 0.5- 1% for unemployment insurance.

The other is that individuals pay social insurance as freelancers. In accordance with the provisions of the payment base (hundreds to thousands, each with its own local regulations) according to a certain proportion of payment, different places. Endowment insurance is generally paid at the rate of 18-28%, and medical insurance is generally paid at the rate of 6- 10% of the local average wage level in the previous year.

At present, China's social insurance is still in the stage of regional overall planning. The cardinality and proportion are different in different regions.

Individual contributions stipulated by social security policies

1. The payment base for urban individual industrial and commercial households and flexible employees to participate in the basic old-age insurance is the average salary of local employees in the previous year, and the payment ratio is 20%, of which 8% is credited to personal accounts. After retirement, the basic pension shall be calculated and paid according to the method of calculating and paying the basic pension for enterprise employees;

2, medical insurance, freelancers, self-employed insured, you can choose to establish a pool fund, not to establish a personal account, according to the local average monthly salary of 4.2% to pay the basic medical insurance premium; You can also choose to pay 8% of the local average monthly salary in the previous year and set up a personal account! Employees participating in medical insurance, 6% units and 2% individuals;

3. After completing the old-age insurance procedures, pay medical insurance at the local medical insurance center with the old-age insurance procedures and relevant documents;

4. Minimum payment period of endowment insurance 15 years, and minimum payment period of medical insurance is 25 years. And when you reach retirement age, you can apply for pension benefits and medical reimbursement concessions.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.