Supplementary insurance for social security workers

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Supplementary medical insurance is like this:

1. The principle of reimbursement for supplementary medical insurance is that the part that is not reimbursed by social security shall be reimbursed from supplementary medical care. For example, the part within outpatient service 1800 and the part outside social security reimbursement 1800, the part within hospitalization 1300 and the part outside social security reimbursement 1300.

2. How much supplementary medical reimbursement depends on the unit's own choice. For example, in addition to social security reimbursement, outpatient units can choose to reimburse 60%, 80% or even 90%, and hospitalization is the same. They can choose to reimburse 90% and 95% after reimbursement, and the proportion is selected at the time of insurance;

3. Supplementary insurance expenses: it depends on the proportion of supplementary insurance reimbursement selected by the company. Outpatient expenses are relatively high, and hospitalization expenses are relatively low. Therefore, when many units choose supplementary medical care, the proportion of outpatient service is not so high, so the cost can be lower. In addition, the cost is related to the number of insured personnel, the average age of personnel and the number of retirees. Therefore,

4. The insurance premium for supplementary medical care is paid once a year, which can be charged to 4% of the salary, but it does not mean that all 4% are paid. If there is a change in personnel, the social security will increase or decrease now. You can change personnel, refund fees or increase fees for supplementary medical care in the insurance company based on the social security change table.

Supplementary medical care is of great benefit to employees, and the company can pay for it from the expenses. Once an employee has a major illness or accident, it can alleviate the pressure of compensation.

6. Supplementary medical care is also a part of social security requirements. If it is not done in an insurance company, it should be done by your own unit. Small units are even more needed, because once the employees of small units have major problems, the funds will be greatly affected.