How to buy personal medical insurance?

Many units will buy medical insurance for their employees, but some people without units or freelancers have to buy medical insurance themselves. So how do these friends buy this medical insurance? Let's take a look with Bian Xiao.

How to deal with personal medical insurance?

Generally speaking, medical insurance is an insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. However, according to the different situations of the insured, there are still great differences in how individuals buy medical insurance.

1. People who don't have a work unit can participate in social insurance according to the way that freelancers participate in social insurance. Freelancers can only participate in endowment insurance and medical insurance. The payment of endowment insurance and medical insurance has specific provisions:

Endowment insurance: Bring my ID card, unemployment certificate and two 1 inch photos to the business window of the local social security center.

Medical insurance: after completing the formalities of endowment insurance, take the above materials and the well-run endowment insurance manual to the business window of the local medical insurance center. Just pay the fee normally according to the regulations.

2 freelancers, urban individual industrial and commercial households and flexible employees to participate in the basic old-age insurance. The payment base is the average salary of local employees in the previous year, and the payment ratio is 20%, of which 8% is credited to personal accounts. After retirement, the basic pension will be calculated and paid according to the basic pension calculation method for enterprise employees.

3, medical insurance, freelancers, self-employed insured, you can choose to establish a pool fund, not to establish a personal account, according to the local average monthly salary of 4.2% to pay the basic medical insurance premium; You can also choose to pay 8% of the local average monthly salary in the previous year and set up a personal account! Employees participating in medical insurance, 6% units and 2% individuals;

Personal medical insurance purchase process

How individuals purchase medical insurance can be divided into three situations according to the insured's household registration and types of insurance. The first is the residents with urban hukou, the second is the people with rural hukou, and the third is the people who choose commercial medical insurance. The purchase process of vacation is described as follows:

1. If the insured person belongs to the urban hukou, when purchasing urban medical insurance, he/she must bring his/her ID card, the original and photocopy of the hukou book, and one-inch bareheaded photo, and can only purchase insurance after paying registration in the community neighborhood committee or social security office under the jurisdiction of the hukou.

Second, if the insured is a rural registered permanent residence, then you can purchase the new rural cooperative medical system and register directly with the village committee.

Third, if you buy commercial medical insurance, you can bring your ID card, household registration book and one-inch bareheaded photo to the corresponding insurance company.

Summary: The above is a process introduction about how to buy personal medical insurance, and I hope it will help you.