How to pay your own medical insurance?

Those who have no work unit to participate in social insurance should refer to the method of freelancers participating in social insurance. Freelancers can only participate in endowment insurance and medical insurance.

First, how do I pay medical insurance?

If you are an urban resident, buy urban medical insurance, bring your ID card, original and photocopy of your household registration book, and one-inch color photos to the community neighborhood committee or social security office to pay for registration. Rural residents can participate in rural cooperative medical care. Generally, the village Committee will inform you when to hand it in and handle it uniformly. If you are self-employed, you can choose to set up a pool fund instead of a personal account, which is 4% of the local average salary in the previous year. 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!

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Second, the individual to pay social security process:

Individuals who pay social security can only pay pension and medical insurance. The specific process is as follows:

1, how to pay social security for individuals can apply for social security as a freelancer (pension+medical care);

2. Insurance conditions: urban hukou or rural hukou;

3. Handling location: 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 its copy, 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.

Iii. Policies and regulations on individual payment of social security

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 build a pool fund, not to build 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.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 60 of the Social Insurance Law, the employer shall declare and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis. Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.