Proportion of medical insurance payment in Yunnan Province

Whether in the countryside or in the city, everyone should be most concerned about their health. I hope it will help everyone.

1. What is the proportion of medical insurance payment?

Employee's individual contribution ratio: the employee's basic medical insurance is paid by both the employer and the employee, and the employee's contribution ratio is 2%+3 of his salary income.

Employer's contribution ratio: the employer's contribution ratio is 6% of the total wages of employees. With the development of economy, the payment ratio of employers and employees can be adjusted accordingly.

Second, how much is it to buy medical insurance for serious illness?

Adults have two choices to buy medical insurance for critical illness: one is to buy consumer medical insurance for critical illness, and the other is to buy savings medical insurance for critical illness. The annual premium of consumer medical insurance for serious illness is relatively cheap, about several hundred yuan. However, the one-year premium of savings-based critical illness medical insurance is relatively expensive, but the later return can offset a certain premium.

How much to pay for major medical insurance depends on your insurance coverage. Generally speaking, the major medical insurance expenses for purchasing commercial insurance are above 6.5438+0.5 million.

Three, medical insurance reimbursement should pay attention to six rules.

Article 1:

Pay attention to medical treatment and drug purchase in designated institutions.

There are medical insurance designated institutions! When participating in insurance, you must remember where your designated hospital is, and you can only be reimbursed if you go to a designated hospital for medical treatment; If you go to a non-designated medical institution, there is no way to reimburse the treatment expenses, and you can only bear it yourself. The same is true for buying medicine. Only designated pharmacies with medical insurance can swipe their medical insurance cards to buy medicines, and other pharmacies can only pay their own money.

Article 2:

Don't transfer without permission.

Some diseases can't be seen in designated medical institutions. If you want to go to a better hospital for treatment, you must first apply for referral, and the referral with complete procedures can be reimbursed; If you don't apply for referral, it is still equivalent to going to a designated medical institution that you have no choice, and you still can't reimburse. There is often a gap in the reimbursement ratio. Generally speaking, the higher the level of hospital treatment, the lower the reimbursement rate.

Article 3:

You can only apply for medical insurance if the deductible line crosses the line.

Medical insurance has a deductible, and you can only reimburse it if you pay that amount first. For example, X stipulates that the outpatient deductible line is 1.800 yuan, and if the total amount of outpatient medical treatment in one year is less than 1.800 yuan, all the money must be paid by yourself; And if it exceeds 1800 yuan, it can be reimbursed. At the same time, medical insurance also has a cap line, which means that medical insurance can give you the most money, and the excess money cannot be reimbursed.

Article 4:

Some drugs cannot be reimbursed.

The drugs reimbursed by medical insurance are specific, and only drugs in the medical insurance catalogue can be reimbursed, but drugs outside the medical insurance catalogue cannot be reimbursed, such as many expensive imported innovative drugs and patented drugs. So communicate with the doctor before taking medicine. If you want to save money, use the medicine in the catalogue.

Article 5:

Some special surcharges cannot be reimbursed.

It is common to be hospitalized in your private room or to ask for special services, such as specialized doctors and nurses. These are not reimbursable. If you really have special needs, pay for it yourself.

Article 6:

Pay attention to the time limit for reimbursement.

Social security card must be used to settle all kinds of expenses when leaving the hospital. Special circumstances can not be settled immediately, you can later take documents and vouchers to the medical insurance department for manual reimbursement of medical expenses. But we must hurry up at this time, because there is often a time limit. For example, some local medical insurance departments will conduct liquidation before the end of the year, and they will not be reimbursed after the deadline. Don't forget to reimburse the medical expenses because of carelessness. You can only bear these expenses yourself after the deadline.

The above is the whole content of this article. From this, we can know that the basic medical insurance for employees is paid by both employers and employees, and the contribution ratio of employees is 2%+3 of their wage income. The employer's contribution rate is 6% of the total wages of employees. They are online 24 hours a day and can answer your legal questions at any time.

Legal objectivity:

People's Republic of China (PRC) social insurance law

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The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

People's Republic of China (PRC) social insurance law

essay

The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.