How much is the maximum payment for Xiamen’s medical and social security? Detailed explanation of the latest payment standards in 2024
Recently, Xiamen's medical and social security payment standards have become a hot topic, and many citizens and companies have questions about the maximum payment amount when applying for social security. This article will combine the latest data from the entire network to explain in detail the maximum payment standards for Xiamen’s medical insurance and social security, and provide structured data tables for easy reference.
1. Regulations on the upper limit of Xiamen’s medical and social security payment base
According to the latest notice issued by the Xiamen Municipal Human Resources and Social Security Bureau in 2024, the social insurance payment base in Xiamen will be adjusted annually. The specific standards in 2024 are as follows:
| Insurance type | Payment base upper limit | Maximum payment amount (unit + individual) |
|---|---|---|
| Pension insurance | 20,385 yuan/month | 4484.7 yuan/month |
| medical insurance | 20,385 yuan/month | 1426.95 yuan/month |
| unemployment insurance | 20,385 yuan/month | 285.39 yuan/month |
| Work injury insurance | 20,385 yuan/month | 40.77-203.85 yuan/month |
| maternity insurance | 20,385 yuan/month | 203.85 yuan/month |
2. Specific payment ratios for each insurance category
After understanding the maximum payment amount, let’s look at the specific payment proportions of each insurance type:
| Insurance type | Unit payment ratio | Personal contribution ratio |
|---|---|---|
| Pension insurance | 16% | 8% |
| medical insurance | 7% | 2% |
| unemployment insurance | 0.7% | 0.7% |
| Work injury insurance | 0.2%-1% | 0% |
| maternity insurance | 1% | 0% |
3. Calculation of actual cases
Assume that an employee's monthly salary is 25,000 yuan, which exceeds the upper limit of the payment base of 20,385 yuan, then his social security payment is calculated as follows:
| Project | Unit payment | Individual payment | total |
|---|---|---|---|
| Pension insurance | 20385×16%=3261.6 yuan | 20385×8%=1630.8 yuan | 4892.4 yuan |
| medical insurance | 20385×7%=1426.95 yuan | 20385×2%=407.7 yuan | 1834.65 yuan |
| unemployment insurance | 20385×0.7%=142.695 yuan | 20385×0.7%=142.695 yuan | 285.39 yuan |
| Work injury insurance | 20385×0.5%=101.925 yuan | 0 yuan | 101.925 yuan |
| maternity insurance | 20385×1%=203.85 yuan | 0 yuan | 203.85 yuan |
| total | 5136.975 yuan | 2181.195 yuan | 7318.17 yuan |
4. Questions and Answers on Xiamen Medical and Social Security Hot Topics
Q1: Why is the upper limit of payment base set?
A: The upper limit of the payment base is set to balance the social security burden of high-income groups while ensuring the sustainability of social security funds.
Q2: Will the upper limit of payment base be adjusted every year?
A: Yes, the upper limit of the payment base is usually determined based on 300% of the city’s average monthly salary of employees in the previous year, and will be adjusted every July.
Q3: Do I still need to pay social security for the part that exceeds the upper limit of the payment base?
A: No, the amount exceeding 20,385 yuan will not be included in the social security payment base.
5. New changes in Xiamen’s social security policy in 2024
1.The upper limit of payment base is increased: Increased from 18,795 yuan in 2023 to 20,385 yuan, an increase of approximately 8.5%
2.Adjustment of payment ratio for flexible employment personnel: Pension insurance payment ratio is adjusted from 20% to 24%
3.Medical insurance personal account reform: Medical insurance fees paid by the unit will no longer be transferred to personal accounts.
6. How to check personal social security payment records
1. Log in to the official website of "Xiamen Human Resources and Social Security Bureau" to query
2. Through the social security inquiry function of "Minzhengtong" APP
3. Go to the counter of each district social security center to inquire
Conclusion:
Understanding the maximum payment standards for Xiamen’s medical and social insurance is crucial for both individuals and businesses. The upper limit of Xiamen’s social security payment base in 2024 is 20,385 yuan/month, and the income exceeding this standard will no longer be included in the social security payment base. It is recommended that citizens regularly pay attention to changes in social security policies and reasonably plan personal social security payment plans. For more details, please contact Xiamen Social Security Service Hotline 12333.
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