# **Dear migrant workers, are you aware of the benefits of purchasing social medical insurance and age  pension insurance in Dongguan?**

Medical insurance

- Hospital and medical cover:  35% -90% of your expenditure above the minimum standard to receive benefits

- Outpatient treatment cover: 35-%70%  of your expenditure ( please refer to Page 2 for more details)

- Age pension insurance:

- you are entitled to get pension every month from your retirement until death. (please refer to Page 3 for more details)

- If you no longer lives in Dongguan , your previously purchased social medical and age pension insurance can be transferred to the new city you are moving to as long as it is acceptable there.

## **How much you need to pay to enjoy the benefit of**

## **these insurances?**

Basic social medical insurance and age pension insurance

- As an employee: the cost is RMB 15 per month for medical insurance and 8% of you monthly salary for an age pension insurance

- If self-employed: the cost is RMB 69 per month for medical insurance and a minimum of RMB 506 per month for an age pension insurance

- The above is the standard social insurance information for Dongguan, conditions may change and the premium and entitlement may vary depending on individual situation.

To get more information on premium and entitlement, please read information in this brochure or alternatively, you can visit any of the branch of Dongguan human resources and social insurance bureau (see the first page for the addresses) or call on 0769-12333.

## **Detailed information:**

1. Eligible Population:

- All employees and self-employed are eligible to purchase Dongguan social medical insurance and age pension insurance. When you leave in Dongguan, you can transfer your purchased social medical and age pension insurance to the new city if the new location accepts it.

2. Purchase Dongguan basic social medical insurance

- a) Premium: if you are an employee, the monthly rate is RMB 15.02 in 2015, your employer will deduct this from your salary and pay on your behalf. If you are selfemployed, monthly rate is RMB 69.12 in 2015

|b) <br>|what’s c<br>Coverag<br>and med<br>|overed?<br>e of hospit<br>ical cost)i<br>|alization c<br>n urban h<br>|ost (hosp<br>ospital<br>|ital<br>|
|---|---|---|---|---|---|
|Hospital<br>classifica|Excess<br>(RMB)|Cove|rage by T<br>(Thous|otal Expe<br>and RMB)|nditure<br>|
|tion||<= 50|50<br>to<br>100|100<br>to<br>150|> 150|
|Level 3|1300|85%|65%|45%|35%|
|Level 2|800|90%|70%|50%|40%|
|<=Level 1|500|95%|75%|55%|45%|

- c) coverage for outpatient treatment: 70% expenditure at designated community health and medical clinic within your insured area. When a transfer is requested, 35% to 70% expenditure at

transferred hospital. For some specific treatments, a 75% coverage applies, please visit your local social insurance office for more details.

- d) Serious illness treatment: during the insured calendar year, if your out of pocket hospital and outpatient payment is over RMB 35,000, extra coverage may apply. Please visit your local social insurance office for more details.

3. Sign up for Dongguan basic social age pension insurance

- a) Payment rate: if you are an employee, the monthly rate is 8% of your monthly salary, your employer will deduct this from your salary and pay on behalf. This will be paid to your personal withhold account. In addition, your employer and the government will pay extra to your personal withhold account. If you are selfemployed, a few options are available . The minimum monthly rate in 2015 is RMB 505.68, partial of this personal payment will be accumulated in your personal withhold account, you can get a statement of your personal withhold account by visiting a local social insurance office.

- b) Benefits: anyone who purchased age pension insurance is entitled to receive a monthly pension from when they reaches the mandatory age for retirement until their death. The  pension you received  is calculated based on your payment rate, length of your payment, and your salary before retirement. The more and longer you pay for the insurance and the more of salary you receive at retirement, the more of pension you will receive.

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