My health insurance amount feels like it s less

Dear, regarding the amount of your health insurance card, I think there is nothing wrong.

The percentage of medical care paid varies from region to region, but there is no doubt that the amount of the medical insurance card that the Social Security Bureau will eventually pay more than the amount it paid. For example, in Xi'an, the current medical base is 2540, according to the proportion of 2% that the individual needs to bear, the individual needs to bear the cost of medical insurance every month, and the amount of the medical insurance center to the personal medical insurance card every month is different according to the age, the proportion is also different, like I am 26 years old this year, and I will pay the base amount to my medical insurance card every month, that is, yuan, and I will earn dozens of dollars every month.

As for the medical insurance fees paid by the unit mentioned by my friend, it will definitely not enter the individual's medical insurance card, and the expenses borne by the unit will directly enter the national medical insurance pooling account.

Friends just make good use of the money in it.

A small part of the company's payment is to your personal account, and the rest is to the social co-ordination **, this money is not yours, only after you spend more than how much money in the hospital a year (generally 1000-2000), you will be reimbursed proportionally (60-90%), just like the endowment insurance, you pay in your own account (and it is also an empty account, nominally, in fact, the money is not known there), and the money paid by the company is used to pay for the people who are now receiving pensions.

The individual contribution to social security and medical care is 2%, and the unit pays 9%.

Credited to the personal medical account is:

Before the age of 35: 2% of the individual's payment + unit transfer, that is, 35 to 45 years old: 2% of the individual + 1% of the unit, that is, 3% over the age of 45:

Individual 2% + unit 2%, that is, 4% The so-called percentage refers to the average salary of the individual or the average salary of the society!

Pro: What region are you from? The medical insurance contributions for employees in our region are paid on a percentage basis, but the amount returned to the personal account is different according to the length of service, please consult the local social security center, local HR, or **: 12333

There are some that you haven't seen yet, and they are stored in the local social security account

Presumably many friends know that after participating in social security, the medical insurance account will return money every month, and the insured can use the balance of the personal account of the social security card to consume in the designated pharmacies and hospitals of the medical insurance, but some friends said that they pay social security every month, and the balance of the medical insurance account is zero, what is the reason for this?

For office workers, as long as the normal payment of employee social security, then every month there will be a sum of money into the medical insurance personal account, employee medical insurance is paid by the unit and the individual together, the unit payment is all into the medical insurance usual account, and the individual payment part will enter the personal medical insurance account, the insured can use the balance of the medical insurance account in the designated hospitals, pharmacies for consumption.

I have paid social security every month, but my medical insurance account is zero, which is usually caused by the following reasons:

1. The insured person participates in the medical insurance for urban and rural residents.

Urban and rural residents' medical insurance is paid annually, the annual individual payment is only a few hundred yuan, due to the low base of urban and rural residents' medical insurance, so urban and rural residents medical insurance does not establish a personal account, the medical insurance fees paid by the insured personnel are all into the overall account, for hospitalization expense reimbursement, so the balance of the medical insurance account is zero.

2. The insured persons participate in social security as flexible employment.

Although flexible employees also participate in urban employee medical insurance, the social security policies of flexible employees vary from place to place, and not all flexible employment participants will establish personal medical insurance accounts, so there will also be a situation where the medical insurance account is zero.

For example, some areas have set up two levels of medical insurance payment ratio for flexible employment type employees, with the high-end payment ratio at about 8% and the low-grade payment rate at about 4%. Insured persons will only establish a personal medical insurance account if they choose the proportion of high-grade grades, that is, if the flexibly employed person chooses to pay employee medical insurance according to the low-grade standard, then there will be no personal medical insurance account, so the balance of the medical insurance account is zero.

In some areas, it is also stipulated that the medical insurance for flexible employees will only establish a personal medical insurance account after retirement, so there will be no monthly refund.

The above are the reasons why you have to pay social security every month, but the balance of your medical insurance account is zero, I hope the above content will be helpful to you.

The amount of the medical insurance account is less than the payment because there are two different accounts for medical insurance, one is individual and the other is coordinated, and the proportion of reimbursement will be different, and the money paid will be deducted from part of the insurance cost.

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

First, the medical insurance payment base of in-service employees is lower than before.

For active employees, the contribution base and age are directly proportional to the amount of money credited to the personal account of the medical insurance card. 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: it belongs to the area where the medical insurance reform is first implemented, and the unit payment is no longer included in the personal account.

Now is the transition period of the reform of the medical insurance system, and some areas have begun to implement the unit payment part of the medical insurance co-ordination**, and the individual payment processing is still all assigned to the personal account of the medical insurance card. If you are in such an area, then it is normal that the amount of personal account for the medical insurance card will be reduced this year.

Characteristics of health insurance

Medical insurance has the characteristics of "low level, wide coverage", and the payment is subject to the cost that the vast majority of units and individuals can bear at a low level, and widely covers all units and employees in urban areas, and employees of different nature units can enjoy the right to basic medical insurance.

Insured persons can enjoy it for life after completing the payment period. Secondly, basic medical insurance has the characteristics of "both sides bear the burden and combine the accounts"; Based on the principle of "revenue and expenditure, balance of revenue and expenditure".

Urban Pibi employee medical insurance and urban and rural residents' medical insurance are the main components of China's medical insurance system, in which employee medical insurance is paid monthly, the payment is more, the treatment is better, and there is a medical insurance personal account, which will return money every month. However, some partners find that the monthly amount received in their medical insurance personal account has decreased, what is the reason for this? If you want to know, let's take a look.

The reason for the decrease in the amount of money received per month in the medical insurance personal account.

1. The social security payment base is reduced.

The social security payment base is usually determined according to the average monthly wage level 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 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. Retirement of employees.

The standards for transferring medical insurance personal accounts for current 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. Adjustment of medical insurance policies.

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 part of the round of fees paid by the individual can enter the personal account of the medical insurance. This policy has been piloted in some areas, so it will lead to a decrease in the amount of medical insurance personal accounts.

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 appraisal opinion and sign or affix a seal to the written appraisal and dismantling of the state.

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. In accordance with the notice of the people's court, relevant units and individuals have the obligation to protect the scene and assist in the inquest work.

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.