The standard of personal account transfer of medical insurance in Hunan Province refers to the transfer of some funds from the medical insurance fund for employees and residents to personal accounts to pay for medical expenses and some medical service expenses incurred by individuals in medical insurance coverage. According to the document issued by the Human Resources and Social Security Department of Hunan Province, the inclusion standard of individual accounts of medical insurance in Hunan Province will be adjusted accordingly in 2023. Specifically, starting from 2023, the personal account amount of employee medical insurance will be 2% of the total accumulated wages of the basic medical insurance fund, and the maximum amount will not exceed the per capita financial subsidy of the provincial-level overall fund in that year; The amount transferred to the individual account of residents' medical insurance is 1% of the total wages paid by the basic medical insurance fund, and the maximum amount shall not exceed the per capita financial subsidy of the provincial overall planning fund in that year. The purpose of this adjustment is to further encourage residents and employees to actively participate in insurance, improve the utilization rate of personal accounts, reduce the burden on patients, and promote the rational allocation of medical resources.
Will the adjustment of personal account transfer standard affect the insured? The adjustment of personal account transfer payment standard will correspondingly increase the personal account amount, which can better meet the needs of personal medical expenses and part of medical service expenses in medical insurance coverage. However, it should also be noted that personal account funds can not be used to reimburse medical expenses, and can only be used under certain circumstances. The specific rules of use need to be understood according to the local medical insurance policy.
In 2023, the personal account standard of medical insurance in Hunan Province will be adjusted accordingly. The personal accounts of employees and residents' medical insurance pay 2% and 1% of the total wages for the basic medical insurance fund respectively, and the maximum does not exceed the per capita financial subsidy of the provincial-level overall fund in that year. The purpose of this adjustment is to encourage residents and employees to actively participate in insurance, improve the utilization rate of personal accounts, reduce the burden on patients, and promote the rational allocation of medical resources. However, it should be noted that not all personal account funds can be used to reimburse medical expenses, and the specific rules of use need to be understood according to local medical insurance policies.
Legal basis:
"Decision of the State Council on Establishing the Basic Medical Insurance System for Urban Workers" Article 8 The basic medical insurance fund consists of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts. The basic medical insurance premium paid by the employer is divided into two parts, one part is used to establish the overall fund, and the other part is included in the personal account. The proportion of individual accounts is generally about 30% of the employer's contribution, and the specific proportion is determined by the overall planning area according to the payment scope of individual accounts and the age of employees.