When employees pay medical insurance, they pay it in proportion to the employer and individual employees. The total contribution ratio is 8%, of which the unit contribution ratio is 6%. This part should be included in the medical fund, but according to the regulations, 3% of it should be returned to the employee's personal account. The proportion of individual employees' contributions is 2%, and this part should be returned in full to their personal accounts, that is, their own medical insurance cards. On-the-job employees are based on their own payment base or the average monthly salary of employees in the previous year as the return base; Retirees are based on their own pension or the average monthly salary of employees in the previous year.

according to the provisions of the medical insurance system, there are three main sources of money on employees' medical insurance cards. The first is the part of the unit payment refund. This part accounts for an average of 3% of the unit payment ratio of 6%, but it is not returned according to the average of 3%. It is mainly based on the provisions of the local medical insurance system and refers to the age structure of the insured. The older you are, the higher the return ratio will be. Second, the individual contribution, which is 2% deducted from his salary every month as an on-the-job employee, and 2% of the 8% paid by himself as a flexible employee is returned to his personal account; The third is the interest of funds generated by the balance of personal accounts. Of course, this part of the amount is very low, which is generally calculated according to the interest of bank demand deposits for the same period.

to sum up, how much money is put into the medical insurance card every month is completely different in different regions, different payment bases and different ages; Working people and retirees are also completely different. Even within the scope of the same province, the proportion of funds returned from individual medical insurance accounts in different cities and regions is not exactly the same.