1. Personal account: medical expenses for outpatient and emergency treatment; The cost of purchasing drugs in designated retail pharmacies; Medical expenses below the Qifubiaozhun of the basic medical insurance pooling fund; Medical expenses that exceed the qifubiaozhun of the basic medical insurance pooling fund and should be borne by individuals in proportion.

2. Overall account: medical expenses for hospitalization; Emergency rescue observation and income hospitalization, the medical expenses within 7 days before hospitalization observation; Outpatient medical expenses of taking anti-rejection drugs after radiotherapy and chemotherapy, renal dialysis and renal transplantation for malignant tumors.

the social security paid is divided into two parts:-a small part is paid into personal accounts, and most of it belongs to the overall fund.

Pooling funds basically has nothing to do with themselves. Generally speaking, it means that the state pays the co-ordinating part of the money to support the retired elderly and reimburse them for medical insurance

.

the personal part belongs to you, and the personal account part of the pension affects the retirement salary.

In the future, the calculation method of pension is basic pension+personal account pension.

the total amount in the personal pension account divided by the number of months of payment is the monthly personal pension plus the basic pension, which is the retirement salary. The basic pension is related to the social wage in the retirement year, the payment period and the payment base.

overall planning is relative to individual accounts.

Let's explain the old-age insurance: if the company belongs to a business unit, it needs to pay 2% of the total wages of employees to enter the unified fund-raising of social old-age insurance. Individuals pay 8% of their monthly income into their personal accounts. If it is an individual merchant, it is necessary to pay 12% of the employee's capital into the social pension fund < P >. Individuals pay 8% of their monthly income into their personal accounts. Flexible employees pay 2% of the average monthly salary of the local society, of which 1 2% goes to overall planning and 8% goes to individuals.

Pension after retirement: Pay annuity as a whole+personal account /12, but only care about the amount of money in personal account. As a whole, the part that has been paid < P > is not as much as it used to be. It is treated according to the social average, and the value is preserved.

the proportion of endowment insurance payment: 2% for the unit and 8% for the individual, and the proportion varies from place to place. The proportion of medical insurance payment: 1% for the unit and 2% for the individual.

the proportion of unemployment insurance payment: 1.5% for the unit and .5% for the individual. The industrial injury insurance rate is determined according to the industry scope divided by the unit, and the proportion of maternity insurance payment: .8% for the unit, and the individual does not pay.

The meaning of social security as a whole and individuals has been clearly answered above, and the payment of social security needs to be paid on time. In today's society, the development speed is getting faster and faster, so it is an inevitable choice to apply for social security, which includes endowment insurance and medical insurance, and it is very convenient to have companies to help pay social security now.

legal basis: article 3 of the regulations of the people's Republic of China on basic medical insurance for urban workers

the basic medical insurance fund for urban employees shall be established, and the system of combining individual medical accounts with basic medical pooling fund payment shall be implemented.

the ownership of an individual account belongs to the individual. The ownership of the overall fund belongs to all personnel participating in the basic medical insurance.

Article 28 Individual accounts are used to pay medical expenses beyond the scope of payment of the overall fund; If the personal account is insufficient to pay, it shall be borne by me.

Article 29 The medical expenses for hospitalization of serious diseases shall be paid according to the following methods:

(1) The Qifubiaozhun shall be controlled in principle at 9%-11% of the average social wage of employees in cities, counties and autonomous counties in the previous year.

(2) In principle, the maximum payment limit shall be controlled at 3-5 times of the average social wage of employees in cities, counties and autonomous counties in the previous year.

(3) The medical expenses above Qifubiaozhun and below the maximum payment limit are mainly paid by the overall fund, and the individual bears a certain proportion. Give appropriate care to the proportion of retirees who bear medical expenses.

the scope of serious diseases, the specific standards of qifubiaozhun and maximum payment limit, and the sharing ratio of medical expenses above qifubiaozhun and below maximum payment limit shall be determined by the provincial people's government.