How many medical insurance cards does Guangzhou Medical Insurance return to flexible employees every month?

In Guangzhou, if the payment base is 5,000 yuan, the monthly medical insurance is about 300 yuan, and the cash back amount is also 200 yuan per month. Of course, different employees, different grades, different incomes and different payment bases, then the cash back amount of medical insurance cards is also different.

Extended data

Flexible employees pay medical insurance. Every year, the local social security department will announce the payment grades of endowment insurance and medical insurance in that year according to the social wages in that year, which are generally divided into two grades.

Payment ratio or payment standard of the first medical insurance. Flexible employees generally pay medical insurance at the rate of 8% according to the social wage standard published by the local social security department, including the overall planning part and the personal account part. Taking Chongqing as an example, the medical insurance payment standard for the coming year will be announced around June 65438+ 10 every year. In 2065438+2009, employees who participated in medical insurance as flexible employees were divided into two files, the first file paid 2670 yuan and the second file paid 5874 yuan.

Second, the payment standard for returning personal accounts Because flexible employees have no fixed salary income, two payment grades are set. The first-grade payment is relatively low, and no personal account is established, that is to say, the funds are not transferred to the medical insurance card, but there is basically no difference between the reimbursement for hospitalization due to illness and the second-grade treatment; The second-class payment is almost twice as much as the first-class payment, but according to a person's age, a part of the fee will be credited to the social security card of the personal account in proportion every month. The money in the social security card can be used for outpatient treatment, and usually go to the pharmacy to buy medicine. Therefore, if flexible employees need to establish a personal account and put money into the social security card every month, they must choose to pay twice.

The return ratio of the third social security card account. The proportion of social security card account return is mainly determined according to the age structure. The older the account, the higher the return ratio. Generally speaking, the refund rate for people under 35 is about 2.5% of the payment, for those aged 35 to 45, it is about 3.5%, and for those over 55, it is about 4%.

Suggestions on the fourth party payment strategy. Flexible employees should consider three aspects when paying medical insurance. First, basic medical insurance; The second is to consider economic affordability; The third is the cumulative payment period, which is convenient for future medical insurance retirement. Based on the above three factors, I suggest that you can make a comprehensive evaluation according to your economic ability, age structure and health status, and choose the payment standard that suits your actual situation. For example, before the age of 35, you can choose to pay first, because you are healthy before the age of 35, rarely go to the clinic, and rarely buy medicine, and the proportion of medical insurance return is relatively low; After the age of 45, due to the increase of age, the body's resistance is weakened, and the frequency of outpatient medical treatment or drug purchase increases, you can start to consider buying the second gear. The return rate of people over 45 years old is above 3.5%, which should be more cost-effective.