Social states create social security systems so that their citizens do not become victims. These social security systems serve purposes such as benefiting from health services and earning regular income in old age. In our country, this system is provided by the Social Security Institution (SGK). In order for individuals to be included in this system, insurance premiums must be paid to the state regularly.
Now, let's answer your questions about the insurance premium.
What is the insurance premium?
The concept of insurance premium is mainly divided into two parts. The first refers to the premiums paid in the insurance sector and the other in the social security system:
Premiums in the insurance sector: It is the cost of the insurance that a person will provide in order to guarantee the risks that he may face in life. The insured pays the insurance premium to the insurance company. In this way, they secure their health with health insurance, their cars or the problems they may encounter in traffic with vehicle insurance, and their relatives in the event of death with life insurance, within the coverage specified in the policy.
Premium in the Social Security Institution: It is the insurance amount that employers pay to the state for their employees. Thus, when employees encounter health problems, they can benefit from the health services provided by the state to them and their families, free of charge or for a very small fee. They can also access pension scheme benefits when they meet other required requirements.
Regardless of the type of insurance, the insurance premium must be paid in order to benefit from the insurance. Insurance premiums in the insurance sector; It is calculated by taking into account factors such as the insured's age, gender, occupation, and health condition. In addition, the type of insurance and insurance coverages are also effective in calculating the insurance premium. The insurance premium paid as a result of the employee-employer relationship is determined by the SGK according to basic criteria. Well, what is the amount of insurance premium deposited to SGK and how is it determined?
How much is the insurance premium?
The SSI premium amount for each employee may be different. Because this amount is determined by calculating the employee's total salary. Any increase in the employee's gross salary; As the premium amount increases, if the salary decreases, the premium decreases.
The undiscounted premium is 37.5% of gross salary. This rate; The worker's insurance premiums are 14%, the employer's share is 20.5%, the worker's unemployment rate is 1%, and the employer's unemployment rate is 2%.
How are employee insurance premiums calculated?
Calculating your insurance premium may seem complicated at first. However, we can explain insurance premium rates with an easy example based on your gross salary. Let the total salary in question be 10,000 TL
Premium pay = (gross pay x employee's insurance premium rate) + (gross pay x employer's share rate) + (gross pay x employee's unemployment rate) + (gross pay x employer's unemployment rate)
Premium fee = (10,000 TL x 14%) + (10,000 TL x 20.5%) + (10,000 TL x 1%) + (10,000 TL x 2%)
Premium fees = 1.400 TL + 2.050 TL + 100 TL + 200 TL = 3.750 TL
As a result of the calculation, the insurance premium to be paid to SGK for an employee whose gross remuneration is 10,000 TL is 3,750 TL. These calculations can be confusing. However, it is possible to find out the premium paid for SSI more easily.
How to inquire about insurance premiums?
You can easily calculate your insurance premium through e-government. For this, it is enough to log in to the SSI registration and service statement page in e-government. You can inquire about the service details by selecting the insurance branch you follow on the same page. To find out which SGK insurance branch you belong to, “What is 4A, 4B, 4C insurance? What are the differences? You can read our article titled.”
When is the insurance premium paid?
Insurance premiums can be deposited by employers until the last day of the month. If the last day of the month falls on a holiday, the insurance premium can be paid on the next business day.