In accordance with the relevant provisions of the "Interim Measures for Basic Medical Insurance for Urban Employees in Xi'an", Xi'an employee medical insurance adopts the form of proportional distribution and payment by employees of the employing company. The enterprise payment is based on the enterprise's previous year's payment. The employee's salary is used as the contribution base, and the contribution ratio is 6, which is recorded in the medical unified fund account opening; the employee himself uses his average monthly employee income in the previous year as the contribution base. When the individual's actual income is less than the employee's in the previous year 60% of the average monthly income of employees in the previous year, 60% of the average monthly income of employees in the previous year shall be used as the deposit base. When the individual's actual income is higher than 300% of the average monthly income of employees in the previous year, the deposit base shall be based on the average monthly income of employees in the previous year. The salary of 300 is used as the payment base, and the payment ratio is 2, which is credited to the personal account. The source of the personal account assets of Xi'an's basic medical insurance for employees

In accordance with the relevant regulations of Xi'an, the self-owned funds of the personal account of Xi'an's basic medical insurance for employees cover three aspects. The first aspect is also paid by the employees themselves. The medical insurance paid by freelancers is credited to the personal account. The second aspect is also the interest on funds generated by the personal account. Of course, this part of the profit is small, but every year A certain amount of interest expense will be incurred, and the third aspect is also the part paid by the enterprise30, which is divided according to the proportion of age. Proportion of credits to personal accounts of Xi'an Basic Medical Insurance for Urban Employees

In accordance with the relevant provisions of Article 17, Paragraph 2 of the "Interim Measures for Basic Medical Insurance for Urban Employees in Xi'an", the medical premiums in personal accounts of employees, According to each age group, the proportion of the total salary paid by oneself is recorded. Those over 40 years old will be credited with 2.7%; those between 41 and 50 years old will be credited with 3%; those over 51 years old will be credited with 3.6%; retired employees will be credited with 5% of their own pension. For example, for an employee over 40 years old, if his monthly contribution salary is 5,000 yuan, the credit ratio is 2.7, so the total amount credited to the personal medical insurance account every month is 135 yuan; if he is 41 to 50 years old, the credit ratio is 2.7. If the credit ratio is 3, the monthly credit amount is 150 yuan; if it belongs to retired employees, the monthly pension insurance fund is 5,000 yuan, the credit ratio is 5, and the monthly credit amount is 250 yuan. If the pension insurance fund There is only 3,000 yuan, and the monthly credit amount is only 150 yuan. The scope of application of the personal account of Xi'an Basic Medical Insurance for Employees

The so-called crediting of money into the personal account means that the monthly amount is based on the paid wages or pension insurance premiums, and the amount is credited according to the average age. The proportion of money paid into social security cards is generally stored in everyone's social security cards. The most important payments mainly include five aspects. One is the expenses incurred by hospital outpatient services. At this stage, employees' expenses for outpatient treatment, except for those who apply for special outpatient medical treatment, shall be reimbursed by the unified fund in proportion, the general outpatient unified fund will not be reimbursed and must be paid from personal accounts; second, at designated points The cost of purchasing drugs at retail pharmacies.

Mainly it is the expenses we go to the pharmacy to swipe our credit card to get medicine or purchase medical supplies, medical equipment, etc.; the third is hospitalization for treating diseases that are included in the social medical insurance disease file catalog, or hospital outpatient emergency rescue treatment Part of the medical expenses listed in the special disease category should be borne by the individual; fourth, special examinations and special treatment during hospital outpatient or hospitalization should be borne by the individual; fifth, expenses below the minimum payment line of the unified fund, and expenses above the maximum reimbursement limit, etc.

In general, according to the relevant provisions of the "Interim Measures for Basic Medical Insurance for Urban Employees in Xi'an", Xi'an's personal medical insurance account covers part of the self-payment, interest fees and the part paid by the unit30, According to each age group, the proportion of the total salary paid by oneself is credited to the personal account. Among them, retired employees are credited according to the personal pension insurance fund as the credit amount, and the credit is credited according to a ratio of 5. In accordance with the spirit of the Instruction No. 14 of the General Office of the State Council in 2021, in the future, employees' personal medical insurance accounts will only be credited to the personal payment 2, and the part paid by the enterprise will no longer be credited, and the excess comprehensive funds will be used to create outpatient financial security Mechanism, in the future outpatient fees can be reimbursed at least 50.