First of all, the reform is to reduce the transfer ratio and balance of individual medical insurance accounts. However, this measure can fully mobilize and use the dormant balance of individual medical insurance accounts. Maximize and promote the use of personal account balance. In the past, before the reform of individual medical insurance accounts, the transfer ratio of working employees and retired employees was as high as nearly 5%. After the reform, employees and retirees will be transferred according to the standard of 2%. In other words, we are hired. 2% of your monthly employee medical insurance premium. All transferred to personal account. No longer transfer, the overall part shall be borne by the enterprise unit.

Secondly, individual contributions, as on-the-job employees, are deducted from wages by 2% every month. As a flexible employee, 2% of the 8% paid by himself is returned to the personal account; Interest on funds generated by personal account balance. Of course, this part of the amount is very low, and it is generally calculated according to the interest of the bank's demand deposits for the same period. Due to the different standards of medical insurance balance and different levels of economic development, the proportion of tax refund is still quite different.

If wages remain unchanged in 2022, the base for employees to pay medical insurance will remain unchanged. The payment base of on-the-job employees is based on the average monthly salary of employees of 202 1 year. If the average monthly salary in 20021year is higher than that in 2020, the payment base will also increase in 2022, and the monthly payment for medical insurance will also increase.

Furthermore, the social insurance law stipulates that the cumulative payment period of medical insurance reaches the time limit stipulated by local policies. Usually, the cumulative payment period for men is 30 or 25 years, and that for women is 25 or 20 years. After retirement, you can enjoy lifelong medical insurance benefits, including the return of medical insurance card benefits and hospitalization reimbursement. Before the medical insurance reform, the amount of medical insurance rebate for retirees in many places was linked to the pension level. For example, in Shanxi Province, the medical insurance fee is refunded at 5% of the pension. With the increase of pension, the amount of medical insurance rebate will also increase year by year. .