Nanjing Medical Insurance Personal Account will be deducted 10 yuan and 20 yuan every month. What is the buckle?

As far as I know, Nanjing's medical insurance policy is generally open and transparent. If there is an opportunity, I recommend you to search the implementation methods of social medical insurance in Nanjing. According to the relevant provisions of the measures for the implementation, in Nanjing, employees who participate in the basic medical insurance for urban employees are included in the overall planning fund except for a part of 2% paid by individuals, 1% for employees over the age of 35, and1.4% for employees over the age of 35 to 45. From the age of 45 to retirement, it is classified according to 65438+ 0.7% of its own deposit base; Retired workers are classified according to 5.4% of their last month's pension, and a moral bottom line is set in it, that is, those who are less than 50 yuan every month will be added to 50 yuan. With the growth of age, the minimum amount will continue to increase, but the 50 yuan here includes the medical assistance for serious illness that you must pay, monthly 10 yuan.

Belonging to employees, medical assistance for serious illness is included in the monthly deposit ratio. In addition, there are several types of medical insurance that need to be deducted in Nanjing, such as medical insurance for seriously ill migrant workers and mutual medical insurance for seriously ill migrant workers. Anyone who participates in medical insurance for serious illness of migrant workers should also participate in mutual medical insurance for serious illness of migrant workers. Medical insurance for serious illness of migrant workers is paid by the unit, but I have to pay mutual medical insurance for serious illness of migrant workers, and the monthly payment amount is 4 yuan.

If you are a retired worker, Nanjing's medical security system includes three new items: social medical insurance, medical assistance for serious illness and serious illness insurance. Retired employees must deduct 10 yuan from their personal accounts every month as the medical assistance expenses for serious illness, and at the same time, the medical insurance fund also needs to transfer part of it as the expenses for serious illness insurance. What is the role of medical assistance expenses for serious illness? The key is to deal with the problem of medical insurance reimbursement above the standard of medical insurance reimbursement. For example, in a natural year, the urban and rural residents' serious illness share fund pays 90% of the maximum payment limit of the overall fund, which is lower than 6.5438+0.5 million yuan; The part exceeding10.5 million yuan shall be paid at 95% of the total amount. This is the second expense reimbursement.

In addition, Nanjing Medical has a third expense reimbursement, which is the critical illness insurance jointly launched by Nanjing and commercial insurance companies. Critical illness insurance and medical assistance for critical illness are different. People who only need to participate in employee medical insurance and urban medical insurance for critical illness do not need this diplomatic fee, but the medical insurance fund transfers social security. In a natural year, the medical expenses of medical insurance hospitalization and special new projects of hospital outpatient service, and serious illness of urban residents within the scope of social medical insurance payment, under the premise of enjoying the basic medical insurance benefits, I pay more than the deductible of critical illness insurance, and the critical illness insurance is paid according to the regulations.

At the present stage, the deductible stipulated in Nanjing is 50% of the per capita income of urban residents in the previous year, of which 60% is paid for serious illness insurance for employees above the deductible and above 40,000 yuan; 65% of the compensation is 40,000-60,000 yuan; 70% of the compensation is 60,000-80,000 yuan; 75% will be paid from 80,000 yuan to 654.38+10,000 yuan; More than 65438+100000, 80% will be paid in part. Residents' serious illness insurance, 50% of the deductible to 40,000 yuan or more; 55% of the compensation is 40,000-60,000 yuan; 60% of 60,000 yuan to 80,000 yuan; 65% from 80,000 yuan to 654.38+10,000 yuan; More than 65438+100000 shall be paid by 70%.

For example, when you were in hospital, you spent more than 65,438+10,000 yuan on medical expenses. Basically, the cooperative medical system has reimbursed more than 50,000 yuan, and 50,000 yuan has to be paid by itself. The deductible is 20,000 yuan. More than 20 thousand yuan can be reimbursed by serious illness medical insurance. According to the relevant regulations of Nanjing, some paid more than 50,000 yuan, while others paid more than 30,000 yuan. The reimbursement rate of medical insurance for employees is 60%, which can be reimbursed.

Generally speaking, Nanjing's personal medical insurance account deducts 10 yuan, that is, 20 yuan. If it is a retired employee, it is likely to deduct the cost of serious illness relief in Nanjing. If you are an on-the-job employee, there will be no diplomatic expenses for the critical illness insurance, which has been included in the monthly pension insurance expenses. Migrant workers pay the 4 yuan Mutual Fund for Serious Illness. Because migrant workers don't have personal accounts, there will be no problem of personal accounts being deducted. I don't understand. It's best to consult the medical insurance department about social security insurance.