Is it good or bad for urban and rural residents to cancel personal accounts by medical insurance, an

I think it's a good thing, after the personal account is canceled, the supply capacity of ** will become stronger.

In the future, when patients seek outpatient treatment, the restrictions on the types of diseases will be reduced, and there will be no need to worry about insufficient funds in the personal account through the adjustment of funds. In previous years, the annual insurance policy of urban residents was only two or three hundred yuan, and the personal account was only a few dozen yuan a year, so even if there was a personal account, it was not of much significance, and some medical insurance money would be used to buy daily necessities.

The National Health Insurance Bureau said that it will cancel the bottom line of medical insurance personal accounts this year, but it will not reduce the medical insurance benefits of the people. That is to say, the personal funds of medical insurance are the personal money of the participants, but they can still be used to pay for the medical expenses paid by the insured in the outpatient clinic after the abolition, which is actually a new clause established for the personal accounts of the NCMS, which has nothing to do with urban residents, and the personal account amount is relatively small, and the control ability is relatively poor, you can solve the problem according to this clause.

This policy launched by the National Health Insurance Administration not only reduces the burden of serious illness on the insured, but also allows the insured to enjoy fairer medical insurance treatment. In the future, special diseases such as malignant tumors, radiotherapy, chemotherapy, uremia, dialysis and so on can also be reimbursed in the outpatient clinic. There is no need to worry that the balance of the medical insurance card will be cleared, although the personal account will be cancelled, but the payment part of the individual resident and the subsidy funds will still be included in the ** account, and then whether it is inpatient or outpatient, it can be reimbursed according to a certain proportion, and the per capita financial subsidy has also increased by 30 yuan.

In addition to the above cancellation of personal accounts, there are other new benefits, such as reducing the minimum payment line of critical illness insurance, from this year the reimbursement ratio of critical illness insurance has been increased from the original 50% to 60%, and critical illness insurance has also implemented a tilted payment subsidy for the poor, the minimum payment line has been reduced by 50%, and the reimbursement ratio has been increased by another 5%. In addition, the upper limit of critical illness insurance will be abolished, and the direct settlement service for medical treatment will be improved in more places, so as to reduce the trivial steps of the masses in handling affairs, which is indeed a good thing for the people.

Personally, I don't think it's good, because if you have a personal account, the part of the medical insurance paid by individuals and companies every month will be transferred to the personal account, and the money in the account can be directly swiped for daily medical treatment.

I think it's good, so that it can be convenient for urban and rural residents to seek medical treatment and use, reduce cumbersome procedures, and save time to a great extent.

I think it's good because it can reduce unnecessary expenses for some people, so that everyone doesn't have to pay a lot of health insurance premiums.

Good. It reflects the progress of society, the state can better co-ordinate, and wealth can be distributed more reasonably and fairly.

The reasons for the decrease in the balance of employees' medical insurance personal accounts include the reduction of the social security payment base, the retirement of employees, and the adjustment of medical insurance policies.

The amount of the medical insurance account is reduced because there are two different accounts for medical insurance, one for individuals and one for co-ordination, and the proportion of reimbursement will be different, and the money paid will have to deduct part of the cost of insurance.

The amount of the personal account of the employee medical insurance will be reduced in the following situations:

The first type: the medical insurance payment base of in-service employees is lower than before For in-service employees, the payment base and age are directly proportional to the amount of medical insurance card transferred to personal accounts. The higher the contribution base and the older the age, the more money will be credited.

People will only get older and older, so the reason for the decrease in the amount of money allocated to the medical insurance card function account is often the problem of declining payment base. Every year, the employer will declare the payment base to the employee to the social security institution, and the payment base will also change if the employee changes the employer. For most people, the logical logic is that as the number of years of work increases, wages will gradually increase, and the contribution base of medical insurance will also gradually increase.

However, special cases are not excluded. For example, if the employer's performance is not good, or the employee is dissatisfied with the reduction of wages, or the reduction of the medical insurance payment base, it may lead to a decrease in the amount of money transferred to the personal account of the medical insurance card. In addition, when there is a job change, it is also possible that the payment acceptance of the new unit is lower than that of the previous unit, and it may also cause a decrease in the amount transferred to the personal account of medical insurance.

The second type: employee retirement. The norms for the transfer of personal accounts for medical insurance for in-service employees and retired employees are generally different.

For example, the on-the-job workers who are above the age of 45 and under the age of 60 in Beijing have a credit limit of 4% per month, and the retired employees under the age of 70 have a fixed return of 100 yuan per month, and they also need to deduct 3 yuan for serious illness, so the specific monthly medical insurance amount is only 97 yuan.

The third type: medical insurance policy adjustment. It belongs to the first area to implement the medical insurance reform, and the unit payment is no longer assigned to the personal account, and the unit payment part is all included in the medical insurance co-ordination**, and the individual payment processing is still all transferred to the personal account of the medical insurance card.

Legal basis

Social Insurance Law of the People's Republic of China

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

Article 27 Individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, the cumulative contributions reach the number of years prescribed by the State, and they will no longer pay the basic medical insurance premiums after retirement, and enjoy the basic medical insurance benefits in accordance with the provisions of the State; If the number of years prescribed by the state has not been reached, the fee can be paid until the number of years prescribed by the state.

What does it mean to cancel a personal account for resident medical insurance What is a personal account for medical insurance? Let me take a brief look at it below.

What does it mean to cancel a personal account for domestic medical insurance.

The cancellation of personal accounts in resident medical insurance refers to the cancellation of personal accounts in the new rural cooperative medical care in individual localities, which has nothing to do with the personal accounts in employee medical insurance.

What is a medical insurance personal account?

Medical insurance is divided into resident medical insurance and employee medical insurance.

Resident medical insurance: Resident medical insurance refers to the basic medical insurance method for urban and rural residents, which is further divided into urban residents' medical insurance (basic medical insurance for urban residents) and NCMS (new rural cooperative medical care). Among them, the medical insurance for urban residents has been implemented since 2007, and there is no personal account; The NCMS has been implemented since 2003 with the establishment of individual accounts.

Note: The personal account of NCMS is mainly used to pay for small outpatient expenses

Medical insurance for urban and rural residents is a kind of medical insurance in China, which is a medical insurance integrated by urban residents' medical insurance and NCMS.

Does urban and rural residents have a personal account for medical insurance?

There is no personal account, and the medical insurance for urban and rural residents is aimed at establishing a medical pool, only a pooled account, and the insured personnel do not establish a personal account.

The difference between medical insurance for urban and rural residents and medical insurance for employees:

Who is insured

The insured objects of employee medical insurance include employees in enterprises, government agencies, public institutions, social organizations, and private non-enterprise units.

Resident medical insurance: for urban and rural residents who do not have a work unit, including children under the age of 18, people who have not paid employee medical insurance, elderly residents and college students, etc.

Funding criteria

Employee medical insurance: both the employer and the individual employee shall jointly bear and pay for it.

The payment of medical insurance for urban and rural residents adopts a combination of subsidies and individual payments, and is financed by subsidies.

How to enroll

Employee medical insurance: Generally, the employer shall go through the insurance procedures for the employee within the month of establishing a labor or working relationship with the employee, and enjoy the medical insurance treatment from the month of payment.

Urban and rural residents participate in the medical insurance in a centralized manner, and after the insurance payment is successful, they can enjoy the treatment from January 1 to December 31 of the following year.

Reimbursement criteria

The scope of employee medical insurance is wider and the treatment is better, while the reimbursement ratio of resident medical insurance is relatively low.

Post-retirement medical insurance benefits

Employee medical insurance: If the insured person pays medical insurance to meet the local requirements for the cumulative payment period, if he or she enjoys the conditions for receiving pension or retirement fee when going through the retirement procedures, he can enjoy the medical insurance treatment of retirees.

Resident medical insurance: Resident medical insurance is paid annually and has nothing to do with the medical insurance benefits of retirees.

In general, whether it is urban and rural residents' medical insurance or employee medical insurance, it is necessary for everyone to have a medical insurance, after all, no one can guarantee that they will not get sick, the above is all the content, I hope it will help you.

Summary. <>

Hello dear, the cancellation of urban and rural residents' medical insurance can directly bring the urban residents' medical insurance certificate and the procedures for participating in social security, go to the agency of the basic medical insurance for urban residents to fill in the application form for reduction, and directly go through the procedures for reduction.

How to cancel the medical insurance for urban and rural residents.

When people buy in other places, they have to write off their hometowns.

Medical. <>

Hello dear, cancel the medical insurance for urban and rural residents can directly bring the urban residents' medical insurance certificate and the procedures for participating in the social potato grandson insurance, and go to the digital silver chain agency of the basic medical insurance for urban residents to fill in the application form for reduction, and directly go through the procedures for reduction.

<> medical insurance transfer process:1Submit a transfer out request:

Individuals take their ID cards and social security cards, go to the nearby social security center to apply for transfer out to the staff, and print the basic medical insurance participation (combined) certificate. 2.Submit a transfer-in application:

Individuals should go to the social security inspection and guidance bureau of the place where they are transferred to apply for transfer to the staff with the certificate of participation in the basic medical insurance, social security card, ID card, etc. 3.Transfer to the local social security institution for review:

After receiving the transfer application, the staff of the transfer place carefully verifies the information of the individual insurance and the number of years of personal work, etc., and prints the contact letter for the transfer of the basic medical insurance relationship and mails it to the social security bureau of the place of transfer. 4.The social security institution at the place of transfer will send back the information:

After receiving the "Basic Medical Insurance Relationship Transfer and Continuation Contact Letter" from the mail, the social security bureau of the place of transfer shall send back the "Information Form for the Change of Medical Insurance Type of Insured Persons" to the social security bureau of the place of transfer, and the amount of personal medical insurance account needs to be transferred. 5.The social security institution in the place of transfer shall go through the transfer procedures:

After receiving the above transfer continuation information form, medical insurance change information form and related transfer funds, the social security bureau of the place of transfer shall handle social insurance in accordance with the regulations.

1. The applicant shall apply to the health insurance account window to provide information.

2. The applicant fills in the application form for surrender of basic medical insurance for urban residents.

3. The handling personnel check the basic information of the insured, review the surrender qualifications, give medical insurance surrender if they meet the conditions, and issue a refund notice for basic medical insurance for urban residents.

4. Go to the medical insurance financial settlement window for refund.

1. Insured persons do not enjoy medical insurance benefits.

Basic medical insurance for urban employees, hospitalization insurance, and basic medical insurance for foreign employees: The insured must go to the high-level Huaiwu Department of tax service with the payment voucher to issue a payment certificate, and then go to the competent social security agency to handle the deemed receipt, and finally apply to the medical insurance center for unfreezing the treatment.

Basic medical insurance for urban residents: The insured must go to the competent social security agency with the payment voucher to handle the deemed receipt, and then apply for the unfreezing of the treatment at the medical insurance center.

2. How to surrender employee medical insurance insurance.

If you want to cancel the employee medical insurance, you must already be in the state of resignation, and the individual cannot apply for the cancellation of the employee medical insurance during the employment period. After resignation, the employee can submit an application to the local social security department to terminate the medical insurance. After that, submit your ID card, medical insurance-related materials such as medical insurance card, and payment status, and the social security department will surrender the insurance for the employee after receiving the materials.

After the employee gets the medical insurance refund notice, go to the settlement window to handle the refund. In addition, if the employee resigns, the employer will stop paying social insurance, and the employee can keep the previous payment period without going to the social security bureau to surrender the insurance.

3. What are the steps for applying for resident medical insurance for the first time?

The steps to apply for resident medical insurance for the first time are as follows:

1. Handling departments, urban residents go to the nearest labor and social security management office or social security bureau to handle it;

2. Fill in **, "Application Form for Basic Medical Insurance for Relatives and Friends of Urban Residents" in duplicate;

3. After the business is completed, the handling staff prints the "Proofreading Form for the Increase in Basic Medical Insurance for Urban Residents" and submits it to the sponsor on the spot, if the sponsor finds that the information is wrong, he should inform the staff of the Social Security Rent Bureau within 5 working days, and the overdue will be regarded as correct.

The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Article 2 of the Law of the People's Republic of China on Social Association Insurance The State shall establish a social insurance system of basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.