Proportion of medical insurance payment in Guangzhou

The contribution rate of medical insurance in Guangzhou is 8%, of which the unit contribution rate is 6% and the individual contribution rate is 2%. High-income residents can voluntarily choose to increase the proportion of contributions and get higher protection.

Guangzhou medical insurance refers to the social security system enjoyed by the payers who participate in the basic medical insurance for urban workers and urban residents. According to the Regulations on Basic Medical Insurance for Urban Employees in Guangzhou and the Regulations on Basic Medical Insurance for Urban Residents in Guangzhou, the contribution rate of medical insurance in Guangzhou is 8%, of which the unit contribution rate is 6% and the individual contribution rate is 2%. Specifically, the payment base of Guangzhou employees' insured personnel is the actual total salary of the previous year, and the payment ratio is 8%, which is shared by units and individuals. However, urban residents who are not employees take 60% of the local average wage as the payment base, and units and individuals each pay 4% of the fees. It should be noted that high-income residents can also voluntarily choose to increase the proportion of contributions in order to obtain higher social security. In addition, for low-income residents, poor people and destitute people, the government has implemented a policy of free or reduced medical insurance premiums to ensure their basic medical security.

What is the proportion of medical insurance reimbursement in Guangzhou? The reimbursement rate of medical expenses of Guangzhou Medical Insurance varies according to different medical items and grades, generally between 50% and 90%. Among them, outpatient, hospitalization, first aid and other medical expenses have a high reimbursement rate, but for some high-end medical items and drugs, the reimbursement rate may be low. It should be noted that the amount of medical insurance reimbursement is limited, and the part that exceeds the limit needs to be borne by individuals.

The contribution rate of medical insurance in Guangzhou is 8%, of which the unit contribution rate is 6% and the individual contribution rate is 2%. High-income residents can voluntarily choose to increase the proportion of contributions in order to obtain higher security. The reimbursement rate of medical expenses in Guangzhou medical insurance varies according to the different medical items and grades, so we should carefully check the reimbursement rate and limit when using medical insurance.

Legal basis:

Article 27 of the Social Insurance Law of People's Republic of China (PRC), if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment reaches the fixed number of years stipulated by the state, he will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.