The employee's medical insurance expenses are shared by the unit and the individual, and a part of the expenses will be returned to the employee's personal medical insurance account every month. Refund standards are different in different regions. I take Wuhan as an example.

How much is the personal account of Wuhan employees' medical insurance returned every month?

1. The inclusion standard of the individual accounts of employees of the employing unit is determined according to 2% of the insured payment base, and all the basic medical insurance premiums paid by the unit are included in the overall fund; In principle, the individual accounts of retirees are included in the overall fund according to the quota, and the inclusion standard is determined according to 2.5% of the average level of basic pension in our city in 20021year. The specific amount included is the monthly 83 yuan.

2. 1953 Before the end of this year, the personal account standard for retirees who joined the army and retired to work in enterprises shall be formulated separately by the municipal medical insurance department in conjunction with the municipal finance department.

3, to participate in the medical insurance for employees in Wuhan flexible employment, in principle, no longer give outpatient and drug subsidies, not included in the personal account. Flexible employees who participate in employee medical insurance can be given outpatient and drug purchase subsidies after retirement. The subsidy standard is implemented with reference to 80% of the amount included in the personal account of the retirees of the employer, and the specific subsidy amount is 66 yuan per month.

From February 1 2023, Wuhan officially implemented outpatient medical insurance co-ordination, and the outpatient treatment expenses of Wuhan employees will be included in the payment scope of medical insurance co-ordination fund, that is, the outpatient expenses can be reimbursed, and the reimbursement ratio will be adjusted from 50%, and the calculation method of employees' personal medical insurance accounts will be adjusted simultaneously, and the funds allocated to Wuhan employees' personal medical insurance accounts will be reduced.

Although the amount of funds transferred to individual medical insurance accounts has decreased, it has also improved medical insurance benefits and increased outpatient expense reimbursement. With the universal implementation of outpatient co-ordination policy, the whole country will basically support employees' medical insurance to reimburse outpatient expenses in the future. That's all. I hope it helps you.