1, basic medical care: unit: 8.5%, individual: 2%, employees should participate in large medical mutual insurance while participating in basic medical insurance: unit: 1.5%, individual: 5 yuan/month;
2. The difference paid. The monthly payment amount is: my monthly payment base payment rate. Among them, the proportion of primary medical units is 8.5%, and the proportion of individual employees is 2%. When participating in basic medical insurance, employees should participate in large medical mutual insurance, with the employer's contribution rate of 15% and the individual contribution rate of 5 yuan/month;
3. The first-class insured person of employee medical insurance paid by individuals has no personal account, that is, there is no balance; Both the employee medical insurance paid by the company and the employee medical insurance paid by the individual have personal accounts, that is, there is a balance. In the way of inclusion, the personal accounts of on-the-job employees are included in the basic medical insurance premiums paid by individuals, and are included according to the standard principle of 2% of the base of my insured payment, and all the basic medical insurance premiums paid by the unit are included in the overall fund; In principle, the individual accounts of retirees are allocated by the overall fund according to the quota, and the allocation amount is determined according to about 2% of the average basic pension level of retirees in the year when the reform is implemented. The distribution standard of employee medical insurance personal account is: the proportion of people under 35 years old is 3.3%; The proportion of people aged 35 to under 45 is 3.5%; The proportion of people over 45 who have not reached the statutory retirement age is 3.7%; The proportion of people who reach the statutory retirement age during the payment period is 4%.
Outpatient specific high-cost drug insurance liability, in designated hospitals, designated pharmacies, drug costs borne by individuals, within the agreed scope of insurance liability, bear the responsibility to pay. 700,000 insured amount, 26 kinds of medicines, medicines for out-patient clinics for rare diseases/medical insurance expenses for hospitalization * * * 20,000 yuan, with a compensation ratio of 80%.
To sum up, under normal circumstances, the unit and individual contributions of employees are based on the individual contribution base of employee medical insurance, and are raised at the rate of 0. 1% per person per month. Part of the unit payment is allocated from the medical insurance fund on a monthly basis, without increasing the burden on the unit; Individual contributions are withheld and remitted from individual accounts of employees' basic medical insurance on a monthly basis.
Legal basis:
Article 2 of People's Republic of China (PRC) Insurance Law
The term "insurance" as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract, the insurer shall be liable for the property losses caused by the possible accidents agreed in the contract.
essay
This Law is applicable to insurance activities in People's Republic of China (PRC).
Article 5
The parties to insurance activities shall exercise their rights and perform their obligations in accordance with the principle of good faith.