How to buy medical insurance

I. How to buy individual medical insurance?

1, if you are an urban resident, to buy individual medical insurance, you need to bring your ID card, the original copy of the account book and a copy of the one-inch color photo to the account of the jurisdiction of the community committee or social security registration, you can buy. If you are a rural household, then buy the new rural medical insurance, directly to the village committee to pay registration, and even many villages are collectively funded by the village to pay the fee.

2, the legal basis: "Chinese People's *** and the State Basic Medical Care and Health Promotion Law" Article 85?

The scope of payment of the basic medical insurance fund shall be organized and formulated by the competent medical insurance department of the State Council, and shall listen to the opinions of the competent health department of the State Council, the competent department of traditional Chinese medicine, the drug supervision and management department, and the financial department. The people's governments of provinces, autonomous regions and municipalities directly under the central government may, in accordance with the relevant provisions of the state, supplementally determine the specific items and standards paid by the basic medical insurance fund of the administrative region and report them to the competent medical security department of the State Council for the record. The competent medical security department under the State Council shall organize and carry out evidence-based medical and economic evaluations of the basic medical insurance drug catalogs, diagnostic and therapeutic items, and standards of medical service facilities that are included in the scope of payment, and shall listen to the opinions of the competent health department under the State Council, the competent department of traditional Chinese medicine, the drug supervision and management department, and the finance department and other relevant parties. The results of the evaluation shall be used as the basis for adjusting the scope of payment of the basic medical insurance fund.

Second, how do individuals pay health insurance premiums?

1, each co-ordinated area to determine a suitable level of burden of local workers individual basic medical insurance contribution rate, generally 2% of salary income, with the conditions of the region may also be appropriate to increase the proportion of individual contributions.

2, by the individual to their salary income as a base, according to the prescribed local individual contribution rate to pay the basic medical. In the individual contribution base, it should be pointed out that not according to my basic salary or standard salary as the base, but according to the National Bureau of Statistics of the wage income statistics for the base, that is, all wage income, including all kinds of bonuses, labor income and income in kind and all wage income as the base, multiplied by the prescribed individual contribution rate, that is, the basic medical insurance premiums that I should pay.

3. Individual contributions are generally not required to be paid by the individual to the social insurance agency, but are deducted by the unit from the salary income.