Personal account of medical insurance refers to the personal account opened by each individual participating in medical insurance in medical insurance institutions, which is used to pay medical insurance expenses, store medical insurance funds and pay medical expenses.
In the personal account of medical insurance, funds such as medical insurance expenses and medical insurance funds paid by individuals will bear interest at a certain interest rate, forming interest income. At present, the interest rates of individual medical insurance accounts in different regions are different. In general, the interest rate is around 2% per year. The interest-bearing period is generally one year, that is, at the end of each year, interest is calculated on the funds in the account according to the interest rate of that year, and the interest income will be automatically transferred to the personal account as the income of the personal account.
It should be noted that interest-bearing income is not the main purpose of medical insurance policy, but to encourage individuals to pay medical insurance fees and improve the utilization efficiency of medical insurance funds. Therefore, the interest-bearing income obtained by individuals is generally not high, which should not be the main factor for individuals to choose whether to participate in medical insurance.
Medical insurance interest generally follows the following principles:
1. Interest period: the general interest period is years, that is, the annual interest rate of the medical insurance fund;
2. Interest rate: The interest rate of medical insurance funds is generally low, which is usually equal to or slightly higher than the deposit rate of local banks during the same period;
3. Interest-bearing method: The interest-bearing method of the medical insurance fund generally adopts compound interest calculation, that is, the annual interest is also included in the principal to continue to generate interest.
To sum up, the interest-bearing standards and policies of medical insurance funds are determined according to the local economic and social development, which may be different in different regions and different periods. At the same time, the interest standard of medical insurance fund is also related to the financing and use of medical insurance fund. If it is difficult to raise funds or the pressure of using funds is great, it may lead to the adjustment of interest standards.
Legal basis:
Article 2 of People's Republic of China (PRC) Social Insurance Law
The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.
Article 28
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.