I work hard in Guangzhou, and my parents are farming in the countryside of my hometown, I feel that it is a bit troublesome to help my parents pay social security for urban and rural residents every year, can residents' medical insurance and pension insurance be automatically deducted? Do I need to re-register every year? With these questions, let's understand it clearly~
Can I automatically deduct my social security payments for my parents?
Let's take Guangzhou as an example to talk about it~
(1) Medical insurance for urban and rural residents
1. At the same time, participate in the medical insurance in Guangdong Province
If you are participating in the Guangzhou employee medical insurance and your parents are also in Guangdong Province, you can directly add and bind the personal information of your parents, and after completing the authorization of family mutual aid in your personal account, you can use the balance of your personal account in your medical insurance card to pay for urban and rural residents' medical insurance to your parents, but you cannot automatically deduct the fee!
Warm reminder: Only employee medical insurance has a personal account balance, so you must be an insured person with a balance in your personal medical insurance account in order to successfully initiate a family account binding application!
2. Participate in medical insurance outside Guangdong Province
If you participate in the Guangzhou employee medical insurance, and your parents belong to the household registration outside Guangdong Province, you cannot use the medical insurance family mutual aid function, and you cannot share a medical insurance card with your parents. Individuals can only pay on behalf of each year, and cannot be bound to a bank account to automatically deduct fees!
。 If you don't pay on time, you won't be able to enjoy medical insurance benefits in the following year!
(2) Basic old-age insurance for urban and rural residents
According to the requirements of Guangdong's "Notice on Implementing the Unified Annual Payment of Basic Pension Insurance Premiums for Urban and Rural Residents in the Province", from August 11, 2023, the insured who has provided bank account information will be deducted in batches by the tax department;
Do I need to reapply every year?
1. If my parents have participated in Guangzhou's 2024 resident medical insurance, do I need to re-register for 2025 next time?
Answer: There is no need to re-register for insurance, the system will automatically renew the insurance, and you only need to have enough amount in the bank account that has been declared to be deducted. or there was no automatic deduction before, and the social security premium needs to be paid separately. If so, you need to go through the registration procedures again!
2. It is said that the pension is paid more and the pension is more, and now I want to choose a higher payment grade for my parents to pay the pension insurance for urban and rural residents, do I need to re-register?
In principle, the payment level will remain unchanged for one calendar year. For example, if you need to change the 2023 annual payment, you must handle it before August 10, 2023 (including that day), and pay according to the original individual payment and collective subsidy level.
If you want to know more about social security, retirement and other knowledge, welcome to pay attention!