New policy of medical insurance reform 2022 personal account

The new policies for personal account reform of medical insurance in 2022 are as follows:

With the reform of the medical insurance system, starting from 2022, the medical insurance expenses paid by the unit will no longer be included in the individual medical insurance account, but will be included in the medical insurance pooling account. Every month, the money into the personal medical insurance account is only 2% of the personal contribution base. In other words, only the individual contributions are included, and the unit contributions are no longer returned to the individual account.

Health care reform will also affect retirees. In many areas, the money returned by retirees' medical insurance personal accounts is generally linked to their pension level, which is calculated at 4% of their monthly pension. The higher the pension level, the more money will be returned. After the reform, all localities paid 2% of the pension level in that year. So the money in the retiree's medical insurance account will also be reduced.

Although the money returned from the medical insurance account has decreased, the scope of use has expanded. In the past, the money in the personal medical insurance account could only be used for personal medical treatment and medicine, that is, for special purposes. However, after 2022, many areas have introduced reforms, and individual medical insurance accounts can be used for family members, that is, their parents, spouses and children to seek medical treatment or outpatient treatment.

Personal account payment range

Usually used to pay the insured's specific medical expenses, including outpatient expenses incurred by designated medical institutions; Drug purchase expenditure of designated retail pharmacies; In the basic medical expenses for specific items of hospitalization and outpatient service in designated hospitals, the expenses below the Qifubiaozhun of the overall fund shall be paid; The expenses exceeding the threshold shall be borne by the individual.

The insured person's use of personal account funds to pay medical expenses shall conform to the provisions of the scope of basic medical drugs, the scope of diagnosis and treatment projects, the scope of medical service facilities and payment standards.