When using medical insurance, what is the proportion of personal accounts?

The money in the personal medical insurance account of the medical insurance card is transferred monthly, including:

1, the unit contribution is 8% of the base payment, and the individual contribution is 2% of the base payment;

2. 2% of individuals enter the medical insurance personal account (medical insurance card);

3. The part allocated by the company will also enter the personal account of medical insurance, with the proportion of 0.7% under 45 years old, 3.4% after 45 years old to retirement 1.2%; Or 0.6% under 45 years old, 45 years old to retirement 1. 1%, and 3.2% after retirement.

Because according to different cities and States, the proportion is different, which is based on the actual local medical insurance transfer ratio, and the remaining amount will all enter the medical insurance pooling fund.

First, what is medical insurance?

1. Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection.

2. Composition of social overall medical insurance: the payment base is m: wage income of employees+allowance. The unit pays 8% m every year; Individual employees pay 2% m every year;

3. The unit pays 8% m: 6.6% m to 7%M into the overall account (1%M to 1.4%M into the personal account)-hospitalization expenses; 2%M: 2%M of the salary paid by the individual goes into the personal account (plus the unit payment 1%M to 1.4% M)- outpatient expenses.

4. The hospitalization expenses are reimbursed from the overall account, and the amount is the same for everyone; Outpatient expenses are deducted from personal accounts (that is, medical insurance cards), and everyone is different.

Second, the characteristics of medical insurance?

With the characteristics of "low level and wide coverage", the payment is based on the cost that most units and individuals can bear at a low level, covering all units and employees in cities and towns, and employees of different units can enjoy the rights of basic medical insurance. The insured can enjoy it for life after completing the payment period. Secondly, the basic medical insurance has the characteristics of "the burden of both parties and the combination of unified accounts"; Based on the principle of "balance of payments".