Personal accounts and collective accounts.

The details are as follows: Personal accounts and collective accounts are the two parts of the medical insurance fees paid by the unit.

All basic medical insurance premiums paid by the unit will go into the overall fund and will no longer be transferred into personal accounts.

For retirees, the amount of funds transferred into their personal accounts is determined based on 2% of the monthly average level of the city's full-caliber basic pension in the year when the reform is implemented, and is transferred according to the standard monthly quota per person.

The overall account is the main part of the medical insurance fees paid by the unit, including most of the funds.

When the insured goes to the hospital for daily medical treatment and is reimbursed, the medical expenses will be paid from the overall fund, without the need for the insured to pay by themselves.

The overall account can be regarded as a public account used by all insured persons.

What should I do if I quit my job with medical insurance?

There are two situations: after resigning, if a new unit takes over, the individual can transfer all medical insurance relationships to the new unit.

This process is usually assisted by the new unit's personnel management department.

If you do not find a new job immediately after resigning, you can choose to store your files in a place where the files can be hosted, such as the Labor Bureau or the Social Insurance Office.

Specific operations must be carried out according to local regulations. Generally speaking, as long as the labor relationship with the original unit is terminated, you can choose to host files.

In this case, individuals are required to pay their own health insurance premiums, usually annually.

For self-employed persons, starting from the second month after the labor relationship with the original employer is terminated, the insurance registration procedures for self-employed persons can be completed.

Once you are re-employed and become an employee of the employer, you can switch to the employer's insurance.

If the self-insurance renewal procedures are not completed in time during the interruption period, and the premium is paid after arriving at the new employer, the individual needs to pay the medical insurance premium during the interruption period.

These fees are usually paid by the new unit, and the individual only needs to pay the back payment to the new unit.