On August 19, 2022, the Beijing Municipal Medical Insurance Bureau issued a document "Notice on Adjusting Policies Related to the Basic Medical Insurance for Urban Employees in this City". This document has made major adjustments to Beijing's medical insurance policy. Let's take a look.

What are the changes.

Change 1. Medical insurance personal account funds cannot be withdrawn. According to the state’s requirements for personal account funds to be earmarked, starting from September 1, 2022, personal account funds will be subject to bookkeeping management, earmarked funds, and insured persons cannot withdraw.

Previously, part of the medical premiums paid by Beijing employees would be deposited into the medical deposit account, and insured persons could withdraw cash directly with the passbook without any restrictions.

This policy is very user-friendly, because young people are in good health and spend almost no money on medical treatment. Even if they pay at the lowest base, more than 1,000 yuan will be added to their medical insurance accounts every year.

However, starting from September 1, 2022, personal account funds will be subject to bookkeeping management, and insured persons cannot withdraw them freely and can only use them for "directed use" - to buy medicine or see a doctor.

In fact, there are only two cities that support cash withdrawals for medical insurance: Beijing and Tianjin.

On December 31, 2021, the General Office of the Tianjin Municipal People's Government issued the "Implementation Measures for Improving the Outpatient Financial Security System of Employee Basic Medical Insurance", which stipulates that from January 1, 2022, employees' personal account funds for medical insurance will also

Instead of crediting it to a bank card, it will be credited to my personal account for medical treatment and medicine purchase.

Therefore, after the policy adjustments in these two cities, they have remained consistent with the medical insurance policies in other parts of the country.

Insured persons in Beijing do not need to rush to withdraw cash. The policy stipulates that the money that has been put into the personal account before September 1, 2022 can be withdrawn by the insured at any time. After September 1, the money will no longer be included in the medical savings account.

A special fund for bookkeeping management is implemented and cannot be withdrawn freely. However, the medical insurance certificate can be used as an entrusted bank account bound to the insurance for manual reimbursement, secondary reimbursement and other funds to be entered into the account, and it still needs to be properly kept.

In addition, the money in the medical insurance card can be withdrawn under the following circumstances: If the insured person has settled abroad and has canceled his or her registered permanent residence, the Social Security Center will transfer the money from the personal account of pension insurance and medical insurance in one lump sum.

Return to the person himself; if the insured person unfortunately dies during the insurance period, all the money in the personal account of pension insurance and medical insurance can be inherited by his beneficiary or legal heir; there is another situation, which is mobile employment across co-ordination areas.

However, if you cannot go through the procedures for transferring the balance of your medical insurance personal account, you can withdraw the balance; the required information and processing procedures may vary from place to place, and the specific system is subject to local policies. Friends in need can call the social insurance hotline 12333.

consult.

Here I would like to remind everyone, if you encounter any individual or organization claiming to be able to withdraw the amount of personal social security account in advance, please do not believe it and be careful not to be deceived. Change 2. The amount credited to personal medical insurance account will be reduced. Starting from September 1, 2022, current employees will pay

The basic medical insurance premiums paid by the employer are all included in the personal account, and the standard for inclusion is 2% of the insured payment base. The basic medical insurance premiums paid by the employer are all included in the overall fund.

The personal accounts of retirees will continue to be transferred from the overall fund according to fixed amounts. The specific transfer standards are: 100 yuan/month for those under 70 years old, and 110 yuan/month for those over 70 years old (inclusive).

This policy change mainly affects current employees. In the past, 0.8% to 2% of the medical insurance premiums paid by the company were recorded into personal accounts and can be withdrawn freely. Now they are gone. Therefore, the amount of medical insurance premiums paid by current employees every month is credited to their personal accounts.

It will be a little less than before.

For example, for a 35-year-old employee with a salary of 10,000 yuan, before the policy adjustment, the monthly medical insurance personal account was recorded (2% + 0.8%) × 10,000 = 280 yuan, and after the policy adjustment, the monthly medical insurance account was 2% × 10,000 = 200 yuan;

Employees aged 35 to 45 years old have the same salary of 10,000 yuan. Before the policy adjustment, monthly medical insurance personal accounts will be credited with (2% + 1%) × 10,000 = 300 yuan. After the policy adjustment, 200 yuan will be credited; employees over 45 years old,

With the same salary of 10,000 yuan, the monthly medical insurance personal account (2% + 2%) × 10,000 = 400 yuan before the policy adjustment, and 200 yuan will be recorded after the policy adjustment.

This policy change mainly affects current employees. In the past, 0.8% to 2% of the medical premiums paid by the unit were credited to personal accounts and could be withdrawn freely, but now they are gone.

How do insured persons check the funds in their personal accounts?

Starting from September 2022, from the 1st to the 5th of each month, the medical insurance agency will complete the transfer of funds to the personal accounts of active employees and retirees based on the collection of medical premiums.

After that, insured persons can check the transfer, interest settlement, usage, etc. of funds in their personal accounts on the "I want to check" menu of the Beijing Medical Insurance Public Service Platform, the official website of the Beijing Municipal Medical Security Bureau, or the windows of the handling agencies in each district.