Personal accounts of employees are included in the basic medical insurance premiums paid by individuals, and in principle, they are controlled at 2% of the base of my insured payment. All the basic medical insurance premiums paid by the unit are included in the overall fund and are no longer included in the personal medical insurance accounts; In principle, the individual accounts of retirees are allocated by the overall fund according to the quota, and the allocated amount is gradually adjusted to about 2% of the average basic pension level in the year when the reform was implemented in the overall planning area according to this opinion.

The specific proportion or standard of individual accounts shall be determined by the provincial medical insurance department in conjunction with the financial department in accordance with the above principles, guiding the overall planning area and combining local actual research. After adjusting the overall fund and personal account structure, the increased overall fund is mainly used for outpatient economic security and improving the outpatient treatment of insured persons.

China's current personal medical insurance account transfer standard;

The basic medical insurance fund consists of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts. The basic medical insurance premium paid by the employer is divided into two parts, one part is used to establish the overall fund, and the other part is included in the personal account. The proportion of individual accounts is generally about 30% of the employer's contribution, and the specific proportion is determined by the overall planning area according to the payment scope of individual accounts and the age of employees.

In other words, the money in the personal account of medical insurance in the past was 30% of the personal medical insurance payment and the unit medical insurance payment. After this reform, all unit contributions were included in the overall fund.