Public medical care for civil servants

Urban organs, institutions, enterprises, individual and private enterprises (hereinafter referred to as "employing units") and their employees within their respective administrative areas shall participate in medical insurance for urban employees. Among them, employees refer to the employees and retirees of the employer, regardless of agricultural and non-agricultural household registration. What is the proportion of civil servants' medical insurance contributions? "In fact, the proportion of medical insurance contributions in each city is different. In most cities, the proportion of civil servants' medical insurance contributions is the same as that of employees, which is shared by units and individuals. The unit medical insurance payment ratio is 10%, and the individual medical insurance payment ratio is 2%. Please consult the local social security bureau for details! First, the payment ratio stipulates that state organs, institutions and social organizations pay the basic medical insurance premium according to 7.5% of the sum of the individual contributions of their employees (retirees do not pay), and employees of their units pay according to 2% of the individual contributions, which are withheld and remitted by the unit on a monthly basis; Pay Medicaid funds for civil servants at 2% of the sum of individual contributions of employees and retirement fees of retirees. Second, the payment base is determined as 1. The staff of administrative organs and institutions managed with reference to the Civil Service Law shall be calculated according to the salary items approved by the human resources and social security department, that is, according to the sum of post salary (post salary), level salary (technical salary), living allowance and work allowance. Retirees are determined according to the sum of retirement salary and living allowance. 2. Without reference to the institutions managed by the Civil Service Law, it is calculated according to the salary items and performance salary items approved by the human resources and social security department, that is, according to the sum of post salary, salary scale salary, teacher (nurse) 10% salary, teaching and nursing stickers, living allowance, post allowance, seniority allowance and incentive performance salary items (unified as per person per month 1400 yuan). Retirees are determined according to the sum of retirement salary and living allowance. 3. Institutions (self-recruited contract workers) with mixed non-staff personnel shall declare in strict accordance with the documentNo. Jin Zhengban [2065 438+02] 137, and the monthly average payment base declared by non-staff personnel shall not be less than 5,900 yuan (the reward performance salary items shall be determined by monthly 1400 yuan). Failing to declare in accordance with the regulations, if the monthly payment base is less than 5,900 yuan, the Jinhua Municipal Social Insurance Administration (hereinafter referred to as the Municipal Social Security Bureau) will levy it at 5,900 yuan. The basic old-age insurance payment base is still implemented according to the original method. Retirees are determined according to the sum of retirement salary and living allowance. 4. For private non-enterprise units and provincial enterprises, the monthly average payment base declared according to the provisions of documentNo. [2065 438+02] 137 shall not be less than 5,900 yuan. Those who fail to declare as required will participate in the basic medical insurance for employees according to the nature of enterprises and units in the future. The basic old-age insurance payment base is still implemented according to the original method. The average retirement fee for declared retirees shall not be higher than the average retirement fee of 4,860 yuan for other institutions other than the civil service law management unit. 5 other territorial management of provincial enterprise retirees retirement fees, declared by the provincial social security center after examination and seal. 3. What is the proportion of individual contributions to medical insurance? How much of the employee's basic medical insurance premium is paid by both the unit and the employee? The employer's contribution ratio is 7.5% of the total wages of employees, and the employee's contribution ratio is 2% of my salary income. With the development of economy, the payment ratio of employers and employees can be adjusted accordingly. Four, how to determine the unit and employee individual payment base? The employer's total average monthly salary of employees in the previous year is the payment base, and the average monthly salary income of employees in the previous year is the payment base. If the monthly payment base of units and employees is lower than 60% of the average monthly salary of employees in this Municipality last year, 60% of the average monthly salary of employees in this Municipality shall be the payment base; More than 300% of the average monthly salary of employees in this city is not included in the payment base. 5. How do individuals pay medical insurance? Individual employees pay 2% of their average monthly salary in the previous year, which is withheld and remitted by the unit on a monthly basis. Example: Wang's monthly salary is 900 yuan, and the monthly basic medical insurance premium payable is 900 yuan *2%= 18 yuan. Laid-off workers from state-owned enterprises who entered the re-employment service center, their basic medical insurance premiums (including unit contributions and individual contributions) were paid by the re-employment service center at 60% of the average monthly salary of employees in this city in the previous year, and retirees did not pay the basic medical insurance premiums.

Legal objectivity:

On the afternoon of the 8th, the Nanjing Municipal Party Committee and the Municipal Government held a press conference on the reform of the free medical care system, announcing that starting from June 5438+ 10 next year, the whole city will no longer implement free medical care, but all employees will participate in medical insurance. This reform involves 200,000 civil servants, who, like the city's 3.33 million employees, will realize unified systems and policies, insurance payment, treatment standards and handling procedures, and enjoy "the same" medical services in the future. As the capital of Jiangsu Province, Nanjing became the last region in the province to complete the transformation from public medical care to basic medical insurance. It is understood that according to the relevant regulations of the state and Jiangsu Province, all insured units can establish supplementary medical insurance in addition to participating in employee medical insurance. In addition, for cadres above the "deputy department level", Jiangsu Province still implements the public medical care system. In fact, it is a trend to cancel free medical care. By the end of 20 1 1, 24 provinces and cities across the country had cancelled this benefit and included civil servants in the employee medical insurance system. It is reported that Shandong Province arranged this reform at the end of 1 1. Commercial insurance will become the "unit supplementary medical insurance" stipulated in the "supplementary insurance" document, which has attracted much attention. Regarding the design of this supplementary medical insurance, the deputy director of Nanjing Municipal Bureau of Human Resources and Social Security explained that this was set by the unit according to its own situation. According to the current experience, some units implement supplementary medical insurance by their own management units, and some also use commercial insurance as supplementary medical insurance. It is understood that the main content involved in this reform in Nanjing is to cancel the city's free medical system from 20 13 to 13, and all government agencies and institutions will participate in employee medical insurance, so as to realize the unified system and policy of basic medical insurance for government agencies, institutions and enterprise employees, unified insurance payment, unified payment ratio, unified treatment standard, unified handling procedures and unified medical services. According to the deputy director of Nanjing Municipal Bureau of Human Resources and Social Security, in the future, employees of government agencies and institutions will pay the same fee as employees of enterprises. Specifically, the cost of participating in medical insurance for employees is paid by employers and employees on a monthly basis. The employing unit shall go through the registration formalities of employee medical insurance at the social insurance agency according to the regulations, and pay the basic medical insurance premium at 9% of the employee payment base. On-the-job employees pay according to 2% of their base payment, and the medical assistance fee for serious illness is paid according to the prescribed standards. The medical insurance premiums payable by employees on the job shall be withheld and remitted by the employer from the employees' wages on a monthly basis. At present, retirees from institutions in Nanjing do not have to pay insurance. As early as 1994, the state decided to carry out the medical insurance system for employees, with Jiujiang in Jiangxi and Zhenjiang in Jiangsu as the first choice. In the second year, it expanded to 50 cities, and many cities in Jiangsu, such as Suzhou, Wuxi, Nantong and Yancheng, were selected as pilots. The State Council decided to promote this reform throughout the country. At the same time, it has become a trend to cancel free medical care. However, considering the particularity of national deployment agencies and military enterprises, Nanjing started the pilot project on 200 1 and implemented the "dual track system" at the same time in order to make a smooth transition. As of 20 12, 1 1, the basic medical insurance in Nanjing has covered 3.33 million people. Jiangning District, Pukou District, Liuhe District, Gaochun District and Lishui County in Nanjing have all cancelled free medical care. A professor at Nanjing Medical University said that the system is very policy-oriented. At present, as far as Jiangsu is concerned, only provincial organs and universities are not included in medical insurance. It is reported that in accordance with the relevant provisions of the Measures for Social Basic Medical Insurance in Cities and Towns in Nanjing (Decree No.265 of the Municipal Government) and the Notice of the Municipal Government on Cancelling the Free Medical System to Participate in the Basic Medical Insurance for Employees (Ning 20 12326), all the staff and retirees of government agencies and institutions in Nanjing participate in the basic medical insurance for employees and medical assistance for serious illness, and enjoy the medical insurance benefits for employees, which are implemented in accordance with the relevant national and provincial regulations. The "unit supplementary medical insurance" stipulated in the document has attracted much attention. For the design of this supplementary medical insurance, this is set by the unit according to its own situation. According to the current experience, some units implement their own supplementary medical insurance, and some also use commercial insurance as supplementary medical insurance. Length of service can be regarded as payment period. The reform also made it clear that the insured's continuous length of service or working years that meet the national regulations before enrollment can be regarded as the payment period of medical insurance. Personal accounts will not make up for the overdue part. The basic medical insurance premiums paid by the insured individuals are all included in my personal account. As a whole, the fund shall be included in the personal account of the insured person on a monthly basis according to the payment base of the on-the-job employees or a certain proportion of the retirement fee or pension of the retirees last month. The transfer ratio of employees is: under 35 years old1%; 1.4% over 35 to 45 years old; Over 45 years old to before retirement 1.7%. Retiree accounts accounted for 5.4%. According to the provisions of this reform, retirees who have paid the basic medical insurance premiums for employees for less than 25 years and less than 20 years during their working life should make up the basic medical insurance premiums for employees with poor years in accordance with the regulations in order to enjoy the medical insurance benefits for retirees. However, this reform also makes it clear that the continuous length of service or working years that the insured meets the national regulations before joining the insurance can be regarded as the payment period of medical insurance. Personal accounts will not make up for the overdue part. After the reform of the free medical care system, the insured personnel of government agencies and institutions will, like the insured employees of enterprises, hold cards for medical treatment and purchase medicines in designated medical institutions and retail pharmacies, and enjoy corresponding treatment in accordance with the relevant policies and regulations on employee medical insurance and medical assistance for serious illness. In addition, insured persons suffering from outpatient chronic diseases, outpatient specific projects and outpatient mental illness shall go through the disease access procedures according to regulations. Long-term overseas personnel need to go to the municipal medical insurance agency to register long-term overseas personnel, and the expenses incurred in the local designated medical institutions I choose will be reimbursed according to the policy. The four major types of insurance have not yet started. In this case, only 200,000 civil servants have joined the medical insurance, while the four categories of insurance for urban workers' maternity, pension, unemployment and work injury have not yet started. Xiao Wang (pseudonym), born in the 1980s, who worked in a public institution in Nanjing, worked in an enterprise for a period of time after graduation. Later, she was admitted to the civil service. She feels that "in contrast, the treatment after being included in medical insurance will definitely decrease. Maybe because I have participated in medical insurance before, I can accept it, but many old comrades may be psychologically difficult to accept. " As far as she knows, in addition to the main city of Nanjing, including Jiangning, civil servants in other provinces and cities in Jiangsu have participated in employee medical insurance, and many other cities across the country have also participated in medical insurance. It is only a matter of time before Nanjing participates in insurance. "My colleagues and I learned about the reform from the media. We didn't give any notice before, and we didn't know how to reform. Now that the news has come out, I can only wait for the unit to inform. " Xiao Wang still has many doubts about the news of this reform. This reform will be implemented from June 5438+ 10 next year, so it is necessary to complete the enrollment procedures before the end of February 65438+,calculate the base, prepare personal data, and take time to apply for a citizen card. How to fully realize it in June 5438+10? In addition, for civil servants, how will the treatment change? In the past, free medical care was to go to a designated hospital to see a doctor, pay for it yourself, and then reimburse it back to the unit in proportion. The proportion is related to the length of service and the medicine prescribed. What will happen in the future? Will there be medical subsidies like other cities? I don't know at present. In addition, employees of enterprises participate in insurance, in addition to medical care, there are maternity insurance, but this time they only say that they participate in medical insurance. How to calculate the birth expenses if they occur? A staff member of the Medical Insurance Settlement Management Center of Nanjing Municipal Bureau of Human Resources and Social Security said that at present, this work is being coordinated intensively throughout the city, and many specific work and plans are also being prepared. As far as this time is concerned, only 200,000 civil servants have joined the medical insurance, and the insurance for maternity, pension, unemployment and work injury has not yet started. Xiao Wang said that in the past, he could only see a doctor in his designated hospital. It is very troublesome to need a referral outside the designated hospital. Even if it is a minor illness such as a cold, he has to register to buy medicine, and he can't go to the pharmacy to buy it himself. Put an end to the waste of drugs. I once saw people who registered to take medicine in the hospital, taking up medical resources and prescribing so many medicines, which would be wasted if they didn't use them up. "Now everyone thinks that free medical care is a privilege. I remember when I was a child, many units had clinics, factory hospitals, and many units could reimburse medical expenses. After the reform and opening up, most of these benefits disappeared. With the improvement of the social security system, this part of the function has been transferred to the medical insurance system, but this part of the welfare of institutions and institutions has been preserved. " Xiao Wang believes that looking forward is understandable, looking back is the focus of social injustice, and it is inevitable to participate in medical insurance. Participating in social security is also the trend of future reform. It can "reduce the burden" for the organization. In the past, many institutions had a heavy burden of free medical care, but now the government pays the bill. This is a good thing for these units. "The comprehensive reform of Nanjing's financial system and the reform of free medical care system aim to provide important institutional support and dynamic mechanism for Nanjing's transformation and development, and take the lead in basically realizing modernization through institutional changes." Dr. Xu Yijun, director of the Institute of Social Development of Nanjing Academy of Social Sciences, pointed out that public finance is the core content of the government's provision of public services and public products. The reform of Nanjing's financial system will promote the city's basic cross-regional public services, promote the equalization of basic education, medical and health services, and enhance the government's public service capacity. "The key to modernization is human modernization. Promoting social fairness and justice through the reform of the financial system and letting the people share the fruits of reform and development will certainly add new impetus to the city's first basic modernization. " Xu Yijun said that not only that, the financial system reform has also optimized the urban financial management system. The reform will enhance the vitality and motivation of the development of districts and counties (parks), and will certainly promote the transformation and upgrading of Nanjing and turn more entrepreneurial and innovative resources into the driving force for scientific development. "This can fundamentally realize the medical health or health rights and interests of urban and rural residents and add momentum to Nanjing's first basic modernization." Xu Yijun said that the reform of the free medical care system should establish a unified medical security system in terms of content, population and standards, which is the proper meaning of Nanjing modernization. "Employee medical insurance, new rural cooperative medical insurance and residents' medical insurance should gradually come together and integrate urban and rural areas." Free medical care is a new system formulated by the state in 1979, which is being gradually replaced. "The people have doubts about why they participate in medical insurance, while civil servants are still implementing public medical care; However, some civil servants are not satisfied with the existing public medical care, because according to the national list of essential drugs, drugs without medical insurance have greater selectivity and individuals get more benefits. Therefore, a considerable number of civil servants are also willing to join medical insurance, which is a trend. It also reflects the further improvement of the entire medical insurance system, increases the intensity of medical insurance coordination, and takes into account the balance of all aspects. " "In the future, provincial authorities, including institutions, may have to take this step." Relevant persons said that in the past, many institutions had a heavy burden of free medical care, and now the government pays the bill, which is a good thing for these institutions. It is understood that the management authority of cadres at or above the "deputy department level" in Jiangsu Province is at the provincial level, and the public medical care system is still implemented at present. The treatment places are generally in the senior wards of various large hospitals, such as Jiangsu Provincial Hospital and Gulou Hospital. In this regard, Leng said that the "deputy departmental level" medical reimbursement channel is different from others and belongs to the management of the Dry Insurance Bureau, that is, the Cadre Health Bureau, because it has been managed for many years. After all, it is a minority, limited to departmental level and above, and cannot be completely and absolutely across the board.