How to pay employee medical insurance

The basic medical insurance payment method for employees is that the employer and employees jointly pay the basic medical insurance premium.

The employer's contribution rate should be controlled at about 6% of the total wages of employees, and the contribution rate of on-the-job employees is generally 2% of their wage income. Retirees don't have to pay for themselves. The specific payment ratio is determined by the overall planning areas according to the actual situation. With the development of economy, the contribution rates of employers and employees can be adjusted accordingly. The employer's contribution level is determined according to about 6% of the local total wages.

The method of inquiring whether you are an employee's medical insurance;

1, social security center query

If you don't know your social security account number, you can bring your ID card to the business hall of social insurance agencies in various districts to inquire;

2. Online inspection

Log in to the city's labor security network or social insurance business website, click the "personal social security information inquiry" window, enter my ID card and password, and inquire about my insurance information;

3. Telephone consultation

Call the labor and social security comprehensive service telephone number "12333" for policy consultation and information inquiry;

4. Touch screen query

If there is a social insurance touch screen inquiry system in the business hall of social insurance agencies in each district, swipe your card or enter the card number or ID number according to the screen prompts for inquiry.

To sum up, the basic medical insurance for employees covers all employers in cities and towns, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises). ), organs, institutions, social organizations, private non-enterprise units and their employees. Township enterprises and their employees, owners of urban individual economic organizations and their employees should also participate in the basic medical insurance.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.