It is comprehensively calculated according to many factors, such as individual medical insurance payment, unit payment, interest and investment income, and policy provisions.

I. Medical insurance payment

Personal medical insurance payment is an important factor affecting the amount in the medical insurance card. Under normal circumstances, individuals need to pay medical insurance fees according to a certain proportion, and these fees will be partially or fully credited to individual medical insurance accounts. The specific payment ratio and amount will vary according to different regions and policies.

second, the unit pays part

in addition to the expenses paid by individuals, the unit will also pay medical insurance expenses for employees. Among them, part of the expenses will be included in the personal medical insurance account as a supplement to the personal account. The specific amount and proportion of this part of the expenses will also vary according to regions and policies.

iii. Interest and investment income

The funds in the personal medical insurance card usually generate certain interest or investment income, which will also increase the amount in the medical insurance card. However, the specific interest rate and income will depend on the investment and operation of the medical insurance fund, so it may fluctuate.

iv. policy provisions and adjustments

the calculation of the amount in the personal medical insurance card is also affected by relevant policies and regulations. The government will adjust the medical insurance policy according to the actual situation, including the proportion of payment, the proportion of personal accounts, interest or investment income. Therefore, the amount in the personal medical insurance card will also change with the adjustment of the policy.

To sum up, the money in the personal medical insurance card is comprehensively calculated according to various factors such as the individual's medical insurance payment, the unit's contribution, interest and investment income, and policy provisions. The specific amount will vary according to the individual's actual situation, regional differences and policy adjustments.

Legal basis:

Article 23 of the Social Insurance Law of the People's Republic of China

stipulates:

Employees shall participate in the basic medical insurance for employees, and the employer and employees shall pay the basic medical insurance premiums in accordance with the national regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 27 of the Social Insurance Law of the People's Republic of China

stipulates:

Individuals who have participated in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement, and enjoy the basic medical insurance benefits according to the national regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.