How to pay the local medical insurance?

Personal medical insurance payment process is as follows:

1. Individuals can pay as freelancers. The condition of participating in insurance is that an individual has an urban hukou or a rural hukou. As long as these two conditions are met, individual endowment insurance and medical insurance can be paid in the local social security department.

2. If you want to pay social security, you need to go to the social security service point of the local community street or the labor and social security bureau of the county-level social security bureau to handle related business;

3. The parties may pay medical insurance with relevant information to the Social Security Bureau or the Municipal Labor and Social Security Bureau. The basic information to be provided is as follows:

(1) including personal account book;

(2) ID card, a copy of ID card;

(3) One-inch photos, etc.

4. The individual payment standard is based on the average salary of local social security in the previous year, in which the proportion of pension insurance payment is 20% and the proportion of medical insurance payment is 9%.

The significance of individual social security payment is as follows:

1. Simply put, social security is the basic guarantee for citizens after retirement, illness, work injury, loss of work ability and unemployment;

2. Old-age insurance can enable the parties to receive a basic pension after retirement and spend their old age safely without the ability to work;

3. Medical insurance allows the parties to have basic medical insurance after joining social security, and can reimburse most medical expenses; 4. Maternity insurance is paid by the employer and does not need to be borne by individuals. After you are pregnant and give birth, you can get a certain amount of maternity compensation;

5. Work injury insurance is also paid by the unit. If there is an industrial accident, you can apply for compensation.

First of all, all co-ordination areas should determine an individual basic medical insurance contribution rate suitable for the burden level of local employees, which is generally 2% of wage income, and areas with conditions can also appropriately increase the individual contribution rate.

Secondly, individuals pay the basic medical insurance premium according to the local individual contribution rate based on wage income. In the personal payment base, it should be pointed out that it is not based on my basic salary or standard salary, but on the statistical caliber of wage income stipulated by the National Bureau of Statistics, that is, all wage income, including all kinds of bonuses, labor income and income in kind, is the basic medical insurance premium that I should pay.

Finally, individual contributions generally do not need to be paid by individuals to social insurance agencies, and are withheld and remitted by the unit from wage income.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 12 of the Social Insurance Law of People's Republic of China (PRC)

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.