Sources of assets in personal accounts of basic medical insurance for employees in Xi According to relevant regulations of Xi, the self-owned funds in personal accounts of medical insurance for employees in Xi cover three aspects. On the one hand, employees pay 2% by themselves, and freelancers pay 2% into personal accounts; The second aspect is also the interest on funds generated by personal accounts. Of course, this part of the profit is relatively small, but it will generate certain interest expenses every year. The third aspect is also 30% of enterprise contributions, which are classified according to the proportion of age process.
In accordance with the relevant provisions of the second paragraph of Article 17 of the Interim Measures for the Basic Medical Insurance for Urban Employees in Xi, the medical insurance premiums of employees' personal accounts are recorded according to the proportion of the total wages paid by them at different ages. The record over 40 years old is 2.7%; 4 1 to 50 years old is recorded at 3%; 5 1 year-old and above was recorded as 3.6%; Retired workers deduct 5% from their pensions. For example, employees over the age of 40 pay a lump sum of 5,000 yuan a month, and the payment ratio is 2.7%, so the total amount credited to the personal medical insurance account every month is 135 yuan; For the 465438+ population aged 0 to 50, the credit ratio is 3%, and the monthly credit amount is 150 yuan; For retired employees, the monthly endowment insurance fund is 5,000 yuan, with a credit ratio of 5% and a monthly credit line of 250 yuan. If the endowment insurance is only 3,000 yuan, then the monthly credit limit is only 150 yuan.
Xi scope of application of individual account of basic medical insurance for employees The term "individual account funds" as mentioned in these Measures refers to the monthly payment of wages or endowment insurance and the deposit of funds into social security cards according to the proportion stipulated by the average age. This part of the money is generally stored in everyone's social security card, and the main payment mainly includes five aspects. First, the hospital outpatient expenses. At present, the expenses incurred by employees in outpatient treatment are not reimbursed by the general outpatient co-ordination fund except for those who apply for special outpatient treatment, and need to be paid by personal accounts; The second is the cost of purchasing drugs at designated retail pharmacies.
It is mainly the cost of swiping a credit card to get medicine or buying medical consumables and medical equipment at the pharmacy. Three, hospitalization belongs to the social medical insurance disease file directory, or hospital outpatient special disease file directory disease emergency treatment should be at my own expense; Fourth, the expenses of special examination and unique treatment during outpatient or hospitalization should be borne by individuals; The fifth is to co-ordinate the expenses below the deductible line of the fund and the expenses above the maximum expense reimbursement limit.
Generally speaking, according to the relevant provisions of the Interim Measures for the Basic Medical Insurance for Urban Workers in Xi, Xi's personal medical insurance account covers a part of self-payment, and the interest expenses and the part paid by the unit are credited to the personal account according to 30% of the total self-payment salary, and the retired employees are credited to the personal endowment insurance according to 5%. According to the spirit of instruction No.202114 issued by the General Office of the State Council, in the future, employees' personal medical insurance accounts will only be credited to 2% paid by individuals, and the part paid by enterprises will no longer be credited. The extra comprehensive fund will be used to create an outpatient medical insurance mechanism, and at least 50% of outpatient expenses will be reimbursed in the future.