How to buy medical insurance in Guangzhou
As the medical insurance system continues to improve, Guangzhou’s medical insurance purchasing methods and policies have also received widespread attention. This article will introduce in detail the purchase process, payment standards and frequently asked questions of Guangzhou medical insurance to help you quickly understand how to participate in the insurance.
1. Classification of Guangzhou Medical Insurance
Guangzhou medical insurance is mainly divided into two categories:employee medical insuranceandMedical insurance for urban and rural residents. Different types of medical insurance are applicable to different groups of people, as follows:
| Medical insurance type | Applicable people |
|---|---|
| employee medical insurance | Current employees, flexible employment personnel |
| Medical insurance for urban and rural residents | Students, senior citizens, unemployed residents, etc. |
2. Purchase process of Guangzhou medical insurance
1.employee medical insurance: It is handled uniformly by the employer, and individuals do not need to apply separately. The employer will withhold medical insurance expenses from the monthly salary.
2.Medical insurance for urban and rural residents: Individuals need to take the initiative to handle it. The specific process is as follows:
| steps | Operation content |
|---|---|
| first step | Log in to the "Sui Haoban" APP or the official website of Guangzhou Medical Insurance Bureau |
| Step 2 | Select "Urban and Rural Residents Medical Insurance Registration" |
| Step 3 | Fill in personal information and upload relevant documents |
| Step 4 | Confirm payment amount and complete payment |
3. Guangzhou Medical Insurance Payment Standards
The payment standards for Guangzhou medical insurance in 2023 are as follows:
| Medical insurance type | Payment standard (yuan/year) |
|---|---|
| employee medical insurance | Individuals pay 2% and units pay 6.5% |
| Medical insurance for urban and rural residents | Students and children: 398 yuan; adults: 528 yuan |
4. Frequently Asked Questions
Q1: Can I buy medical insurance in Guangzhou if I have a foreign registered permanent residence?
A1: Yes. If a person with a non-local registered permanent residence is an active employee, the unit shall handle employee medical insurance; if the person has flexible employment or is unemployed, he or she can apply for urban and rural resident medical insurance, but a residence permit is required.
Q2: How to make up for the payment after the medical insurance payment is stopped?
A2: After the employees’ medical insurance payment is stopped, they need to make up the payment through the unit or the Social Security Bureau; after the urban and rural residents’ medical insurance payment is stopped, they can make up the payment when they join the insurance in the next year, but it may affect the enjoyment of benefits.
Q3: What is the reimbursement rate for medical insurance?
A3: The reimbursement ratio of employee medical insurance is relatively high, usually 70%-90%; the reimbursement ratio of urban and rural residents' medical insurance is slightly lower, about 50%-80%. The specific ratio depends on the hospital level and expense type.
5. Summary
The purchase process of Guangzhou's medical insurance is relatively simple. Employees' medical insurance is handled by the unit, while urban and rural residents' medical insurance can be processed by themselves through online channels. Payment standards and reimbursement rates vary depending on the type of insurance. It is recommended to choose the appropriate type of medical insurance based on your own situation. If you have any questions, you can consult the Guangzhou Medical Insurance Bureau or call the service hotline 12345.
Through the introduction of this article, I hope it can help you better understand how to purchase medical insurance in Guangzhou and ensure worry-free medical protection.
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