20 14 what's the new policy for endowment insurance for flexible employees?

The report of the 18th National Congress of the Communist Party of China pointed out that social security is the basic system to protect people's lives and regulate social distribution. In order to implement the requirement of "full coverage of social security" in the report of the 18th National Congress of the Communist Party of China, a comprehensive social security system covering urban and rural areas will be built.

1. Flexible employees enjoy the same pension insurance benefits as employees of urban enterprises. After retirement, flexible employees will pay the basic pension according to the basic pension plan for enterprise employees, and enjoy funeral expenses and pensions like enterprise employees. If the personal account is not fully collected after death, the part of the personal account balance that belongs to the individual payment shall be paid to the beneficiary or legal heir designated by him in one lump sum with interest.

2 flexible employees enjoy the same medical insurance benefits as urban workers. The Opinions on Urban Flexible Employees Participating in Basic Medical Insurance enables flexible employees to enjoy the same medical insurance benefits as urban employees, especially the inclusion of 35 special disease clinics and 20 critical illness insurance in medical insurance, which relieves the worries of flexible employees.

The opinion pointed out that the proportion of medical insurance contributions for flexible employees is 4.9% and 9% of the payment base (which needs to be consistent with the pension insurance payment base). Once selected, it cannot be changed. A personal account will be established for those who pay at the rate of 9%, and no personal account will be established for those who pay at the rate of 4.9%. After going through the retirement formalities, those who pay at the rate of 9% will no longer be charged, but the personal account will continue to be returned at the rate of 3.5% of my retirement salary, at the rate of 3.2% for those over 46 years old and at the rate of 2.8% for those under 46 years old; Those who are insured at the rate of 4.9% will not be returned before and after retirement because they do not establish personal accounts, but other benefits such as hospitalization and special outpatient reimbursement will still be enjoyed normally.

After the insured person participates in medical insurance, the social security department will handle a medical insurance IC card for him, which will be used when the designated medical institutions in our city seek medical treatment or retail pharmacies swipe their cards to buy medicines. The daily medical expenses of the insured are entered by the medical institution and uploaded to the social security system. When leaving the hospital, the expenses will be settled in medical institutions through online settlement. The part that meets the requirements is paid by the overall fund, and the social security bureau pays it to the designated medical institutions. Individuals only need to pay the self-sufficient part. What needs to be added is that China's basic medical insurance adopts the "pay-as-you-go" system, that is to say, no matter how many years the insured person has paid continuously, once the payment is interrupted, he will no longer enjoy medical insurance benefits during the period of interruption, and medical expenses will not be reimbursed.