Legal analysis: people who participate in employee medical insurance establish personal accounts. The monthly transfer standard of personal account is: the transfer base of personnel category to account proportion is below 35 years old, and the monthly payment base of employee medical insurance this year is above 35 years old to below 45 years old, 3% above 45 years old to 3.80% before retirement. The average monthly salary of employees in this city last year was 4. 10%.

Medical insurance agencies set up personal accounts for eligible insured persons, and transfer funds from social medical insurance funds to personal accounts before the 20th of each month according to relevant standards. Insured employees with medical insurance cards can go to the ATM marked "Guangdong UnionPay", a multimedia self-service terminal of the corresponding medical insurance service bank, or go directly to any business outlet of the corresponding medical insurance service bank in Guangzhou or call the service phone of the social insurance card (medical insurance) card service bank.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 24 The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

Article 25 The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.