There are usually the following possibilities to reduce the amount of personal account of medical insurance. First, the base of medical insurance payment for on-the-job employees is lower than before, for on-the-job employees. The payment base and age are directly proportional to the amount of personal account transferred by medical insurance card. The higher the payment base, the older people are, and the more money is transferred, the older people are. Therefore, the reason for the decrease in the amount transferred to the functional account of the medical insurance card is often the decrease in the payment base. The second paragraph belongs to medical insurance reform. Green first implements the payment of regional units and is no longer included in personal accounts. Now is the transitional period of medical insurance system reform, and the unit payment has been implemented, and part of it has been included in the medical insurance pooling fund. Your personal contributions are still included in your personal account.
The reasons why there is no money in the personal account of medical insurance are as follows:
1, no transfer: the medical insurance agency has not officially transferred money, so the insured can wait patiently for a period of time and then inquire;
2. Participate in residents' medical insurance: If the insured person participates in urban and rural residents' medical insurance instead of urban workers' medical insurance, then the balance of personal account of medical insurance card will not be found, because there is only a unified account for urban and rural residents' medical insurance, and there is no personal account;
3. The money in personal account is used up: employee medical insurance is divided into personal account and overall account. Only when the personal account of the medical insurance card has money, the insured can inquire through the designated channels. Therefore, if the money in the personal account of medical insurance has been used up, the balance will naturally show zero when inquiring, but it is not unexpected that medical insurance cannot be reimbursed. As long as the insured pays the premium on time, even if the personal account balance of the medical insurance card is zero, it will not affect the reimbursement of the overall account;
4. Enroll as a flexible employee: If the insured person participates in flexible employment medical insurance as a flexible employee and pays at the lowest price, then medical insurance generally does not have a personal account, so the money will not be refunded, and naturally the balance of the personal account will not be found;
5. The medical insurance card is not activated: the medical insurance card is not activated, and the balance of the medical insurance card cannot be inquired normally. The insured person can bring his ID card and medical insurance card to the social security cooperative bank or the local social security center for activation.
According to the standard and level of medical insurance you pay, the standard of outpatient reimbursement and pooling funds is different, which is at a very low level for about one year. Therefore, it effectively improves the utilization rate of individual medical insurance in China. At the beginning, the principal and interest of medical insurance personal account was defined as personal ownership, which could be carried forward and inherited.
Legal basis:
"People's Republic of China (PRC) Social Insurance Law" Article 23 * * * employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees 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.