The new medical insurance policy has been implemented, why do many people say that the money in the

The "newness" of the new medical insurance policy is not the reduction of money in the medical insurance card; On the contrary, the money in the card is expected to increase a little bit, quite simply, because the personal income will gradually increase, the medical insurance premiums will also increase, and the money allocated in the card will also change.

For the majority of corporate retirees, the money in the medical insurance card will definitely increase, because your pension will increase every year, and the money in the medical insurance card will be a little bit more. The "newness" of the New Deal is mainly reflected in two aspects; First, outpatient services can be reimbursed; Second, the money in the health insurance card of the immediate family can be used by each other.

According to the regulations, the original medical insurance reimbursement can only be achieved by going to a second-class or third-class hospital for hospitalization; The new policy is different, and community hospitals (outpatient) are also reimbursed according to a certain proportion according to the medical insurance drug catalog; This is undoubtedly a positive.

Second, the medical insurance card can be "universal". Here's an example. If the child's medical insurance card has not been used for a long time and therefore has a balance of thousands or tens of thousands of funds, it can only be used by himself in the future according to the previous regulations and cannot be "transferred" to the parents; (It's the same for couples).

After the implementation of the new policy, children's medical insurance cards can be "legally" "transferred" to parents.

However, there is still a huge difference between this "transfer" and the "transfer" imagined by ordinary people; To put it bluntly, if the child is an urban employee medical insurance, it can only be "transferred" to the parents who are also urban employee medical insurance.

If the parents are urban residents who are covered by medical insurance, it is forbidden to "transfer", and if they are the parents of the "New Rural Cooperative Medical System", of course, it is also not allowed. To put it simply, parents and children who enjoy the same medical insurance treatment can "share" the same treatment - whoever has money in their medical insurance card will use whomever they have, but I still have a question, who will prove such a kinship? User Population or ID Card?

Or a certificate from the police station?

In addition, it is of course good news that outpatient treatment and prescription drugs can be reimbursed, but should the medical insurance drug list also be expanded or supplemented? You must know that many drugs cannot be covered by medical insurance.

Because medical insurance will be reimbursed in other places, and the whole family can basically use it, then the money in medical insurance will be used a lot, and there will be a lot of people who use it.

At present, the state has cancelled the personal account of medical insurance. If the money in the medical insurance personal account is not used, it can continue to be used, but it will not be transferred to the personal medical insurance account, so the money in the account is getting less and less.

In fact, the main reason for the decrease is that there will definitely be some related business problems, so a certain fee will be charged, and in this case it will definitely be less.

1. The reduction of the social security payment base is usually determined according to the average monthly wage of the employee in the previous year, the higher the payment base, the higher the monthly social security fee that the employee needs to pay, and the lower the vice versa. If the social security base of employees decreases, then the monthly medical insurance payment will also be reduced, and the final amount of medical insurance personal account will also be reduced. Every year, the upper and lower limits of the social security payment base in various regions are usually adjusted, and the standards in many regions have been announced this year, and you can go to the official website of the local community to check.

2. The standards for the transfer of medical insurance personal accounts of retired employees and retired employees are usually different. For example, on-the-job employees over 45 years old and under 60 years old in Beijing have a monthly transfer amount of 4%, while retired employees under the age of 70 have a fixed monthly return of 100 yuan, and they also need to deduct 3 yuan for serious illness co-ordination, so the actual monthly medical insurance amount is only 97 yuan.

3. In order to realize the overall planning of medical insurance outpatient services, the medical insurance fees paid by the monthly unit will no longer enter the personal account of the employee's medical insurance, and only the guessing hole part of the individual payment can enter the personal account of the medical insurance. This policy has been piloted in some areas, so it will lead to a reduction in the amount of money received in the medical insurance personal account.

In fact, the money in our medical insurance personal account is less, mainly because we are the medical insurance paid by the unit, and 30% of it will be transferred to the personal account, but now, all the contributions of the unit are 100% transferred to the overall account, and it will not be transferred to our personal account, so the money in our personal account is less.

Legal basis: Civil Procedure Law of the People's Republic of China

Article 76:Parties may apply to the people's court for an appraisal on specialized issues of ascertaining facts. Where the parties apply for an evaluation, and the parties are to negotiate to determine a qualified evaluator, and the people's court is to appoint them. Where the parties have not applied for an evaluation, and the people's court finds that an evaluation is necessary for a specialized issue, it shall retain a qualified evaluator to conduct the evaluation.

Article 77:Evaluators have the right to learn about the case materials needed to conduct evaluations, and when necessary, may question parties and witnesses. The evaluator shall submit a written evaluation opinion and sign or affix a seal to the appraisal document.

Article 78:Where parties have objections to the evaluation opinion or the people's court finds that it is necessary for an evaluator to appear in court, the evaluator shall appear in court to testify. Where, upon notice from the people's court, the evaluator refuses to appear in court to testify, the evaluation opinion must not be used as the basis for determining the facts, and the party who paid the evaluation fee may request a refund of the evaluation fee.

Article 79:Parties may apply to the people's court to notify persons with specialized knowledge to appear in court and submit opinions on evaluation opinions or professional issues made by the evaluators.

Article 80: When inspecting physical evidence or the scene, the inquest person must present the people's court's identification, and invite the local basic-level organization or the party's unit to send someone to participate. The parties or their adult family members shall be present, and where they refuse to appear, it does not impact the conduct of the inquest. Relevant units and individuals have the obligation to protect the scene and assist in the inquest work on the basis of the notice of the people's court.

The inquest personnel shall make a record of the circumstances and results of the inquest, and the inquest personnel, the parties, and the invited participants shall sign or affix a seal.

There are many reasons why there is no money in the health insurance card, such as the need for a Natan to pay in cash after the money in the account is used up. Generally speaking, the establishment of personal accounts for employee medical insurance is mainly used for outpatient treatment in designated medical institutions and drug purchases in designated retail pharmacies.

As the medical insurance voucher of the insured, there is no money in the medical insurance card, but the detailed information of the insured and the payment and reimbursement are recorded.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Because this can help the control of medical insurance to bring about the significance of the first closure, there is a very important way to do so, can strengthen the unified control of medical Huai land insurance and the use of open cracks.

Now the pressure on the medical insurance department is very high, in order to reduce the financial pressure, so it will lead to the halving of personal medical insurance accounts.

The "new" nuclear dismantling of the new medical insurance policy is not that the money in the medical insurance card is less than the key to change; On the contrary, the money in the card is expected to increase a little bit, simply because the personal income will gradually increase, and the amount of medical insurance premiums paid will also increase, and the money allocated by the card will also change.

1.Medical insurance is divided into two accounts, personal account, the money embodied in the medical insurance card, can be used to buy drugs in designated pharmacies, the payment of outpatient expenses and the payment of the self-paid part of hospitalization expenses; The pooled account is managed by the medical insurance center, and the expenses incurred by the insured in line with the local medical insurance reimbursement are paid by the pooled account 2At the time of checkout, the part paid by the individual is paid by himself with a medical insurance card or cash, and the part reimbursed by the medical insurance is settled by the medical insurance and the hospital, and the individual does not need to pay first and then reimburse 3

As long as there is no interruption in payment, the money in the medical insurance card can definitely be used, and if it is interrupted, some local regulations will freeze the medical insurance card, and it cannot be used, and if it is not frozen, it can also be used, but as long as it is interrupted, it will definitely not be able to enjoy hospitalization reimbursement.

Article 25 of the Social Insurance Law of the People's Republic of China The State shall establish and improve the medical insurance system for urban residents. The basic medical insurance for urban residents implements a combination of individual payment and subsidy. Those who enjoy the minimum subsistence guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **.