When does it take for the monthly rebate from the employee medical insurance personal account to be credited to the card?

I applied for retirement in Chongqing. The monthly rebate time for my medical insurance account is basically the 1st of the month, and sometimes it will be advanced to the 30th of the previous month. If there is a major holiday, such as July 1st this year.

Major nodes such as the day will be advanced to around the 25th of last month.

At present, my country's medical insurance is basically still in the stage of co-ordination at the prefecture-level city level, so the time for rebates from personal medical insurance accounts to social security cards will not be exactly the same every month.

But one thing is the same. For retirees, since there is no issue of personal payment, the money that should be returned to the personal social security card of the month is returned at the beginning of the month; however, the time of return to employees on the job is different.

For employees on the job, since many units pay wages at different times, social security contributions such as medical insurance and other social security fees can only be withheld when the unit pays wages. Some wages will change. Generally, it is necessary to pay the medical insurance fees for that month before payment can be made.

The refund will go to your own social security card, so even in the same coordination area, the refund time will be different for each unit.

The urban employee medical insurance we pay is paid in proportion to the employer and individual employees. The total payment ratio is 8%, of which the employer's contribution ratio is 6%, which is included in the medical overall fund account; the individual payment ratio

It is 2% and is credited to the personal account.

Among them, the part paid by individuals must be returned to the accounts of employees and others every month, which is the second-generation social security card we use; at the same time, the part paid by the unit must be paid in accordance with the original regulations before the relevant new national policies have issued implementation details.

The system is implemented, that is, 30% of the unit payment part must be returned to the personal account according to the person's age structure, local medical insurance expenditures, etc. The lowest return ratio for ordinary people will be higher than 2%. Generally, those under 35 years old will return it.

The proportion is the lowest, about 2.5%, and the proportion returned by retirees is the highest, which can reach about 5%.

In addition to the rebate ratio, an important factor that determines the rebate amount of medical insurance is the base of the rebate.

The return base and return ratio are the key to determining how much personal account funds will be returned from the medical insurance personal account every month.

Judging from the regulations of the medical insurance system in various places, the base for reimbursement for on-the-job employees is generally based on their own payment base.

For example, if the individual's payment base is 4,000 yuan per month and the rebate ratio is 2.5%, then the funds not returned to the social security account will be 100 yuan; if the payment base is 5,000 yuan, then the monthly refund amount will be 125 yuan.

For retirees, some places use their own pension as the base for repayment. However, because many people’s pensions have relatively short contribution years, it would be more disadvantageous to use the pension as the base for repayment. Therefore, many places use the local employee medical insurance.

The average payment base of the local employee medical insurance will be used as the base for the refund; if the average refund base of the local employee medical insurance is lower than the individual's basic pension, the individual's basic pension will be used as the base for the refund.

To sum up, the return of personal account funds of medical insurance is also a major matter involving the vital interests of the insured. The monthly return is basically for retirees at the beginning of each month; for employees on the job, the return is based on the actual salary of the unit.

The payment time is determined by the unit before it can be refunded after the actual payment. The refund time of each unit is not exactly the same in the same coordination area; the amount of the refund is mainly determined based on the proportion and base of the refund.