All employees of organizations, enterprises and institutions as well as self-employed workers must pay medical insurance premiums. Those who fail to do so will not enjoy medical insurance coverage. Work units must pay a monthly amount equal to 10 per cent of the total salaries and wages of current employees. Current employees must pay monthly premiums equal to 2 per cent of their salaries or wages. Retired workers are not required to pay.

Current employees must pay 1% of their average monthly income for the previous year.

If your average monthly income for the previous year exceeded 300% of that of the whole Municipality, the amount in excess of the 300% will not be included in the basis for calculating your insurance premium.
 
If your average monthly income in the previous year was under 60% of that of the whole Municipality, your income is calculated as 60% of the average and you pay accordingly.

The entire sum paid by you and your employer is used to build up an overall medical insurance fund and a personal account for each individual.

About 70 per cent of the money paid by work units goes to the overall fund.

All fees paid by employees go to their personal accounts. About 30 per cent of the money paid by work units goes to the personal accounts, with the exact proportion depending on the employee's years of service.

The overall fund can be used to cover hospitalization expenses (including emergency room observation) and serious outpatient illnesses in cases where funds in the personal account are insufficient.

The personal account covers general and emergency medical expenses. Employees may deposit their own money into the account if necessary.