The difference between Beijing medical insurance card and medical insurance passbook
First, the medical insurance passbook
The medical insurance passbook represents the medical insurance balance.
The announcement issued by the Beijing Municipal Bureau of Human Resources and Social Security reminds the public that the funds injected into the medical insurance passbook are owned by individuals, and the funds injected into the personal medical insurance passbook can be freely withdrawn by the insured at Bank of Beijing (or Beijing Rural Commercial Bank) at any time with the medical insurance passbook.
The basic medical insurance for employees in Beijing consists of two parts: individual account and overall fund. Deduct a certain percentage from the medical insurance premiums paid by employers and individuals and include it in personal accounts. Individual employees pay 2% of the average salary of the previous year, and the proportion of unit contributions varies according to the age of employees. Take employees under the age of 35 as an example, the unit contribution is 0.8% of their monthly salary base. In other words, 2.8% of the wages of employees under the age of 35 have entered personal accounts. The money in the personal account will be remitted to the insured's medical insurance passbook every month.
According to the medical insurance policy, the money in the personal account is used for the insured to see a doctor and buy medicine. In most parts of the country, it is stipulated that the money in personal accounts can only be used for personal medical treatment or hospitalization, and cannot be freely withdrawn. But the situation in Beijing is different. Insured people can withdraw money from the medical insurance passbook at any time.
Second, social security card.
Social security card is a card, used for medical treatment. The medical insurance card is the name given by ordinary swindlers, and there is no such name as medical insurance.
dependent event
Beijing website jointly published "Spam SMS Report 20 13", ranking fraudulent SMS messages, among which remittance fraud ranked first; Fake medical and social security name fraud ranks second; Then there are fake express delivery, fake banks, popular TV programs winning fraud, fake relatives fraud, fake landlord fraud and so on.
The main forms of social security fraud are: abnormal social security card, problems with social security reimbursement, preferential social security fees, being swiped in different places, and repeated participation in insurance. For many citizens, in the media propaganda, the above scam is easy to be seen through. However, after the news that Beijing's medical insurance balance will not be withdrawn came out, the number of fraud cases related to the withdrawal of medical insurance balance increased.
legal ground
According to the Notice of Beijing Municipal Medical Security Bureau on Adjusting the Relevant Policies of Basic Medical Insurance for Urban Employees in this Municipality
Two, adjust the overall fund Qifubiaozhun
(a) the cumulative qifubiaozhun for hospitalization in the same overall year is 10% of the average wage of employees in this municipality in the previous year.
(2) The minimum payment standard for hospitalization (including outpatient specific items) in the whole city is: tertiary medical institution 800 yuan, secondary medical institution 300 yuan, primary medical institutions, community health service institutions and family beds 100 yuan; If the insured suffers from the same disease and is continuously transferred to hospital for treatment within one year, only the one-time Qifubiaozhun of the highest level hospital will be calculated.
Three, improve the maximum payment limit and payment ratio of the overall fund.
(a) the maximum payment limit of the overall fund in the same overall year is adjusted to 80 thousand yuan.
(2) Medical expenses incurred above Qifubiaozhun and below the maximum payment limit when hospitalized in designated medical institutions at different levels in the city.