Ways to Obtain Medical Insurance in China
In China, medical insurance is typically acquired through two primary channels: social insurance and commercial insurance. Social insurance provides basic life protections for eligible workers, who can access five essential benefits by establishing employment relationships or adhering to prescribed social security contributions. These benefits include medical insurance, unemployment insurance, pension insurance, work-related injury insurance, and maternity insurance.
How to Enroll in Insurance?
For Foreigners:
Enrolling Employees in Social Insurance:
- Open a corporate social insurance account within the company's jurisdiction.
- Transfer the existing social insurance relationships of employees within the company to this account.
- Obtain a detailed payment statement from the social insurance bureau during the initial month of payment. This statement includes employee names, ID numbers, and payment bases.
- Complete the procedures for entrusting local banks with social insurance payment deductions (this is done at the bank where the company holds an account).
- Going forward, only submit forms to the social insurance office for adding or removing insured individuals.
The specific documentation required for opening a corporate social insurance account and procedures for adding employees to social insurance can vary based on location and policy changes. It’s important to adhere to the social insurance regulations specified in the jurisdiction where the company operates.
How to Inquire About Personal Accounts and Check Your Balance?
WeChat
1. Open WeChat and tap on “Me” at the bottom.
2. Tap on “Services” at the top and scroll up to find “City Services” at the bottom.
3. Tap on “City Services” and locate “Social Insurance” at the bottom.
4. Open “Social Insurance” and apply for your electronic social insurance card.
5. Click on “Electronic Social Insurance Card” and access “Personal Social Insurance Account Balance Inquiry.”
6. View your medical insurance information, including personal account details, balance payments, transaction records, expense details, and usage history.
Alipay
1. Open Alipay and notice the “More” section at the bottom.
2. Open it and select “Citizen Service Center.”
3. Locate “Social Insurance” at the bottom and open it.
4. Link your electronic social insurance card.
5. Click on “Medical Insurance Balance Inquiry” and follow the instructions to check your medical insurance balance.
6. Complete the facial recognition as per the page’s instructions and access features such as records of medical insurance usage, deposit details, and insurance status.
Call 12333
The third method is to dial 12333. 12333 is the hotline for labor and social security services. By calling, you can follow the voice prompts to check your social insurance card balance.
Counter
The fourth method is to visit a counter. Look for the bank branch listed on your social insurance card. Take your card to the corresponding counter and ask the staff to help you with the inquiry.
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在中国，医疗保险通常通过两个主要渠道获得：社会保险和商业保险。社会保险为符合条件的工作者提供基本的生命保障，他们可以通过建立雇佣关系或按照规定的社会保险缴费要求来享受五项基本福利，这些福利包括医疗保险、失业保险、养老保险、工伤保险和生育保险。
另一方面，商业保险主要面向灵活就业人员，由保险公司运营，以盈利为主要目标。在商业保险中，保险人和被保险人之间的关系是一种自愿的民事协议，公民可以自由决定是否参保，没有任何法律义务。商业保险的基本目的是创造经济利润，保险费由投保人承担。
在某些情况下，我国的雇主会自愿为员工同时提供社会保险和商业保险，以提供更全面的保障。
外国人如何参加保险？
为员工参加社会保险：
- 在公司所在地开设企业社会保险账户。
- 将公司内员工现有的社会保险关系转移到该账户。
- 在首次缴费的首月，从社会保险局获取详细的缴费明细，包括员工姓名、身份证号码和缴费基数。
- 在公司开户的银行完成委托当地银行代扣社会保险费的手续。
- 之后，只需向社会保险办公室提交增加或减少被保险人的表格。
开设企业社会保险账户所需的具体文件和将员工加入社会保险的程序可能会因地区和政策变化而有所不同。重要的是要遵守公司所在地的社保规定。
如何查询个人账户并查看余额？
微信
1. 打开微信，点击底部的“我”。
2. 点击顶部的“服务”，向上滚动找到“城市服务”。
3. 点击“城市服务”，找到“社保”。
4. 点击“社保”，申请电子社保卡。
5. 点击“电子社保卡”，进入“个人社保账户余额查询”。
6. 查看医疗保险信息，包括个人账户详情、余额支付、交易记录、费用详情和使用历史。
支付宝
1. 打开支付宝，点击底部的“更多”。
2. 点击“市民服务中心”，找到“社保”。
3. 点击“社保”，关联电子社保卡。
4. 点击“医保余额查询”，进入查询页面。
5. 按照提示完成人脸识别，查看医保使用记录、存款详情和保险状态。
拨打 12333
拨打 12333 是查询社保卡余额的第三种方法。12333 是人力资源和社会保障服务热线。通过拨打该热线，按照语音提示操作，即可查询社保卡余额。
柜台查询
第四种方法是前往柜台查询。前往社保卡上标明的银行分行，携带社保卡到柜台，请工作人员协助查询。
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