Taking Zhengzhou as an example, according to Article 22 of the Measures for Basic Medical Insurance for Employees in Zhengzhou City, the medical insurance premiums paid by employers and insured individuals constitute the employee medical insurance fund, which is divided into overall funds and individual accounts.
Article 23 The medical insurance premiums paid by individual employees are fully included in individual accounts, and the medical insurance premiums paid by employers are included in individual accounts according to different proportions:
(a) under the age of 45, according to my payment base1%;
(2) Those who have not retired (retired) at the age of 45 will be counted as 2% of their base pay;
(three) retired (retired) personnel according to my basic pension included 4.5%.
The rest is used as an overall fund, which is managed and paid by social insurance institutions.
Extended data:
Article 25 of the Measures for the Basic Medical Insurance of Workers in Zhengzhou City is mainly used to pay for hospitalization medical expenses, outpatient medical expenses for specific diseases and outpatient medical expenses for serious and serious diseases. Personal accounts are mainly used to pay for general outpatient medical expenses, drug purchase expenses and hospitalization medical expenses borne by individuals. When the personal account balance is insufficient to pay, the excess shall be borne by the individual. Pooled funds and individual accounts shall be accounted for separately and shall not be misappropriated.
Article 26 The principal and interest of an individual account are owned by the individual and may be carried forward and inherited, but cash may not be withdrawn or used for other purposes.
Zhengzhou Municipal People's Government-Measures of Zhengzhou Municipality on Basic Medical Insurance for Employees