Hunan medical insurance policy 2022

I. Payment of medical insurance for urban and rural residents

(a) the insured object

The object of medical insurance for urban and rural residents in our city is all urban and rural residents except those who should be insured in the basic medical insurance for employees, including: rural residents with Ningxiang household registration and urban non-employed residents; Permanent residents who have obtained the "Ningxiang Residence Permit"; College students studying in colleges and universities in Ningxiang City; Unemployed Hong Kong, Macao and Taiwan residents who live in the Mainland (Mainland) and apply for residence permits for Hong Kong, Macao and Taiwan residents, and Hong Kong, Macao and Taiwan college students studying in the Mainland (Mainland).

(2) Time of centralized payment

The centralized payment period of medical insurance for urban and rural residents is generally February 1 0-65438+February each year, and the centralized payment period of insurance participation in 2022 is from 2021September1day to February 28, 2022 (please pay attention to official website for the specific date). Medical insurance premiums paid by urban and rural residents will not be refunded.

(3) Individual payment standard

In 2022, the individual payment standard of medical insurance for urban and rural residents will be 320 yuan/person/year, and the individual payment for poor college students will be 240 yuan/person, and the difference of individual payment will be partially subsidized by finance. (In the future, individual payment standards will be implemented according to provincial and municipal standards).

During the period of centralized insurance payment, the individual contributions of poor people, severely disabled people (grade 1-2), orphans and de facto unaccompanied children are fully subsidized by the government; Minimum living allowances, difficult personnel who are included in the monitoring scope of rural low-income population in civil affairs, rural revitalization and other departments, and 50% subsidies for the individual contributions of poor people identified by rural revitalization departments; If the identities of the people in difficulty overlap, they will enjoy subsidies according to the principle of high priority.

(4) the way to participate in insurance

New insured persons need to go through the registration formalities first, and then pay the fees according to the payment method stipulated by the tax department. Among them: the first insured person carries the household registration book (residence permit) to the community (village) public service center where the household registration is located (permanent residence); Rural residents can be registered by the township (town) government or villagers' committee; College students are organized by colleges and universities to register with medical insurance agencies in their districts and counties (cities). If there are difficulties in the initial insured, the insured shall be registered with the list or certificate provided by the poor support certificate, disability certificate, subsistence allowance and relevant departments.

The renewed insured can directly pay the medical insurance premium for urban and rural residents in 2022; 202 1 The financial full subsidy personnel such as poor people, severely disabled people (1-2), orphans, and actually unattended children shall be accounted for by the medical insurance department in a unified way.

(5) Mode of payment

1. Pay through the "Hunan Tax Social Security" APP developed by Hunan Provincial Taxation Bureau, the "Hunan Tax Social Security" WeChat applet or official website of Hunan Provincial Taxation Bureau;

2. Pay through the relevant channels of Agricultural Bank, Industrial and Commercial Bank of China, China Bank, China Construction Bank, Bank of Communications, Hunan Rural Commercial Bank, Changsha Bank, Postal Savings Bank, China Everbright Bank, Huarong Xiangjiang Bank, China CITIC Bank, China Merchants Bank and Hunan UnionPay;

3. Residents registered with non-standard identity documents shall pay fees through the "Hunan Tax Social Security" APP, the "Hunan Tax Social Security" WeChat applet and Changsha Bank.

(6) convergence of medical insurance benefits

1. Renewal insured persons who paid from September 20221day to February 3, 20261day (including urban and rural residents insured persons with medical insurance payment records of urban and rural residents in this city or outside the city). On June 5438+1 October1day, 2022, those who paid the medical insurance premium for urban and rural residents in that year will enjoy medical insurance benefits from the date of payment.

2. Within 90 days after the birth of the newborn, the guardian shall go through the registration and payment procedures according to the regulations with the newborn household registration book (non-local household registration requires the guardian's residence permit) and enjoy medical insurance benefits from the date of birth; Newborns born before 202 1 12 1 (excluding) can enjoy medical insurance benefits only after paying the medical insurance fee for urban and rural residents for 202 1 year from the date of birth.

3. After investigation, people in difficulty who are not insured shall enjoy medical insurance benefits from the date of insurance payment.

4 orphans received by children's welfare institutions, who are not insured after verification, can pay with the insured and enjoy medical insurance benefits from the date of entering the children's welfare institutions.

5. Employees whose medical insurance coverage is cut off due to the termination of labor relations can participate in medical insurance for urban and rural residents at any time with the employee's medical insurance certificate within 90 days from the date of cutting off, and pay according to the individual payment standard of medical insurance for urban and rural residents, and enjoy medical insurance benefits from the date when the coverage of medical insurance for employees is cut off.

6. Due to objective reasons such as changes in household registration or other special circumstances (that is, "special personnel" in the category of insured persons, specifically those newly moved into household registration, demobilized soldiers, released prisoners, college graduates who have not been employed in time, newborns who have not been insured within 90 days, those who have lost medical insurance within 90 days, and new employees who have taken insurance for the first time at their place of residence with residence permits), they have not gone through the formalities of insurance payment within the specified time in our city. You can pay the basic medical insurance premium in full in one lump sum according to the financing standard of medical insurance for urban and rural residents in 2022 (including individual contributions and financial subsidies), and enjoy medical insurance benefits from the next month of payment.

7. The enjoyment period of medical insurance benefits for college students and urban and rural residents is synchronized with the settlement year (that is, from September of that year to August 3 of the following year 1 day).

8. In addition to the above circumstances, those who are not insured during the centralized payment period shall not participate in (continue to) the insurance payment in principle and enjoy the medical insurance benefits; Those who are insured for the first time will enjoy medical insurance benefits after 90 days of payment.

Two, urban workers medical insurance payment

(1) Unit insurance payment

The basic medical insurance premium is paid by the employer and individual employees on a monthly basis. The employer shall pay the basic medical insurance premium for the employees according to 8.7% of the total wages of all employees (including 0.7% of the maternity insurance rate), and the individual employees shall pay the basic medical insurance premium according to 2% of their monthly wages. If my monthly salary is lower than 60% of the average monthly salary of employees in the province last year, the individual payment base shall be approved according to 60%, and the part exceeding 300%.

Employers must participate in maternity insurance while participating in the basic medical insurance for employees, and individual employees do not need to pay fees.

Serious illness mutual aid fee shall be paid according to the standard of 130 yuan/person/year.

(two) the payment of insurance premiums for flexible employees

Individuals pay basic medical insurance premiums for employees according to 60% of the average monthly salary of employees in the whole province in the last year and 70%(8%) of the employer's contribution rate. Serious illness mutual aid fee shall be paid according to the standard of 130 yuan/person/year.

(3) Personal account

The basic medical insurance premiums paid by individual employees are all included in individual accounts.

The basic medical insurance premium paid by the unit is transferred to the personal account according to the following proportions: 0.7% for employees aged 45 and below, 1.2% for employees aged 45 and above and 4% for retirees.

Flexible employees, medical insurance, no personal account.