"Medical insurance income" is the amount that the medical insurance management center regularly enters into personal accounts, which is manifested by the increasing balance of medical insurance cards. How much is paid, usually the amount paid by individuals every month. This medical insurance card can be used in designated pharmacies or outpatient clinics.

The operation method is as follows:

1. Log in to ICBC's online banking.

2. Select the transfer business, enter the other party's card number and name, and confirm the bank.

3. Enter the transfer amount and confirm the payment password.

At present, the money in the medical insurance passbook is calculated by multiplying the payment base by the corresponding proportion. In which 1, the employee pays the basic medical insurance premium at 2% of his average salary in the previous year and transfers it to his personal account.

2. The employing unit shall pay the basic medical insurance premium according to 9% of the sum of the wage bases of all employees.

3. Based on current interests. That is to say, before the employee is 35 years old, the personal account will be increased by 2.8% of the average salary of last month, by 3% for those aged 35-45, and by 4% for those over 45, plus current interest. The money in the Bank of Beijing's medical insurance account cannot be directly withdrawn, and it can only be purchased and consumed at the designated medical insurance pharmacy or settled in the hospital. If you want to withdraw money from the medical insurance account, you can only withdraw it when the cardholder emigrates or dies, which is subject to the local medical insurance policy. In addition, if the medical insurance account of Bank of Beijing is equipped with a passbook, you can take the Beijing bank card and passbook to the counter to handle the medical insurance transfer business, and maybe you can take out the money.

However, the initial function of the money that medical insurance institutions regularly put into your medical insurance card or personal medical insurance passbook account is to facilitate you to pay the expenses below the deductible line for outpatient or inpatient treatment, or to buy medicines at designated medical insurance hospitals, instead of investing in wealth management to earn interest. 1998 at the beginning, there was no interest in the medical insurance personal payment system. Interest has been paid in recent years, but the income is extremely limited.

If the money hasn't been touched this year after being credited to the personal account, the interest will be calculated according to the bank demand deposit. At present, the bank's deposit interest rate is too low (currently around 0.30%, adjusted with the bank's interest rate), and the income is not worth mentioning. If it is accumulated in previous years, it is calculated by lump-sum deposit and withdrawal for three months (at present, it is about 1.35%, which is adjusted with the bank interest rate). Regular liquidation every year, and interest is included in the next year.