In areas where the outpatient medical insurance system for urban and rural workers has been established, the assets of individual medical insurance accounts have been allowed to be used as a whole by the main family members except for their own medical treatment. That is to say, in addition to seeking medical treatment for medicine, it can also be used as a deductible line to help other major family members get medicine and pay hospitalization expenses, or to pay medical expenses by themselves, or to pay medical insurance for urban and rural residents by major family members.
The medical insurance for urban workers in China was established according to the Decision of the State Council on Establishing the Basic Medical Insurance System for Urban Workers. The earliest area was gradually established by 1999, and most areas were established after 2000. According to the system, the personal fund account of medical insurance is generally generated by 2% paid by individuals. In addition to the individual contribution, the enterprise contribution needs to be returned according to the proportion of 30%.
However, the 30% returned by enterprises is not an average return, but the return ratio is determined according to the average age, the highest return ratio, the part paid by enterprises plus the part paid by individuals, and some people can achieve 5%. The overall contribution rate of medical insurance is 8%, and the individual contribution rate is only 2%, which is based on the actual income of individuals. If the actual personal income exceeds 300% of the average monthly income of employees in the previous year, only 300% of the average monthly income of employees in the previous year will be used as the payment base, which is consistent with most social endowment insurance.
At present, the total personal account is more than 654.38+10,000 yuan, calculated according to the medical insurance payment for 20 years, with an average annual fee refund of 4 17 yuan, and the monthly deposit base reaches 654.38+00425 yuan. More than 654.38+00000 yuan per month, 20 years is not easy. Of course, it is not impossible.
Because the balance of the medical insurance account of medical insurance contains some interest on funds, but the interest on funds is very low, the medical insurance fund is mainly used to deal with the insured's medical treatment, which is very timely. In most cases, only financial institutions are deposited, which cannot be used as financial investment like pension funds, so it is calculated according to the bank deposit interest rate, so the interest on funds is extremely low. In this case, the interest on the assets in the personal medical insurance account is very small, and most of them are returned by the medical insurance fund.
Some people who are in good health and have a high deposit base rarely take medicine because their personal health sticks have never been in the hospital outpatient department. In addition, in the past, the assets of personal medical insurance accounts were only for their own use, which led some people to accumulate more personal medical insurance account assets, but it was difficult to exceed 6,543,800 yuan.
The use of personal medical insurance account funds is usually in three aspects. First, it is mainly used to buy drugs, medical consumables and medical machinery in designated pharmacies; The second is to go to the hospital for medical treatment. Before the establishment of outpatient economic security system, the outpatient expenses of employee medical insurance were collected by personal account assets; Third, it is used to pay part of one's own expenses when one is hospitalized. Including expenses below the deductible, expenses that must be paid by the medical insurance fund after payment, and expenses that exceed the maximum payment limit.
People who are healthy and rarely take medicine or see a doctor do have a large amount of personal medical insurance account assets surplus. According to the relevant provisions of the medical insurance system in all parts of the country, the assets of individual medical insurance accounts can not be used for other payment items or for my daily consumption except for medical purposes.
If the main members of the family have medical insurance and personal accounts, the family can't spend all this money. It's also a good thing not to use it. In short, having a personal account of 654.38 million yuan is also a great guarantee, and it will still be useful when needed in the future.