how is the personal medical insurance account formed?

The main social security payment targets for urban employees' medical insurance are urban employees and freelancers. Among them, the employees in the urban areas are paid by the employees themselves in proportion, and the overall contribution ratio is 8%, of which the employer's contribution ratio is 6%, which is credited to the diagnosis and treatment fund to open an account; The employee's personal contribution rate is 2%, which is credited to the personal account; If freelancers pay medical insurance for employees, the deposit ratio is 8%, of which 6% is credited to the medical pooling fund and 2% is credited to the personal account. According to the payment method of employee medical insurance, it is a way to carry out the management of two accounts, namely, the medical fund account opening and the personal account, and the two accounts are a way to carry out separate management and not occupy each other. Source of assets in personal medical insurance account

The key to the self-owned funds of personal medical insurance account includes three aspects. First, the proportion paid by individual employees on the job is 2%, which should be fully credited to individual accounts according to regulations. If the freelancer pays the employee's medical insurance, 2% of the individual account shall be credited to the individual account; Second, the part of the enterprise's payment is credited to the medical fund, which is classified as personal account according to 3% of the 6% deposit ratio and calculated according to 3% of 6%. In fact, the part of the enterprise's payment is classified as personal account according to about 1.8%. Freelancers who pay medical insurance for employees will be placed in individual accounts according to 3% of the 6% of the medical fund; The third is the interest on funds generated by personal accounts. What are the functions of individual medical insurance accounts?

the personal medical insurance account is actually the medical insurance fee refunded to the personal social security card. It belongs to the legal property of the individual and needs to be used by himself. After the insured person dies, it can be inherited by the executor. The efficacy of individual medical insurance accounts is mainly manifested in three aspects. First, it is mainly used to buy medicine at designated pharmacies. Insured persons can use their social security cards to buy drugs they want or commonly used drugs, medical devices or consumables at designated pharmacies; Second, it is suitable to go to the outpatient department of designated hospitals for medical treatment, which is used to purchase hospital registration fees, drug fees or check medical expenses; Third, it is used to buy the following expenses in the deductible line of medical expenses, and the medical expenses need to be paid by yourself. Viewing the balance of personal medical insurance account

The balance of personal medical insurance account inquiry is mainly divided into online and offline forms. The first is online viewing. Online viewing is mainly through the relevant mobile APP or Internet query. At this stage, the common methods are personal Alipay wallet, local medical insurance department mobile APP, local government mobile APP, etc. You must download and install the mobile APP on your mobile phone, and after logging in and registering, follow the corresponding prompts; The second is to promote offline viewing. There are three main ways to view offline promotion, such as viewing in the service hall dialog box of the medical insurance department, dialing the telephone number of the medical insurance department, and viewing when buying medicine at the designated pharmacy.

generally speaking, the account balance of individual medical insurance account is usually the employee medical insurance, which is transferred to the individual account assets according to the prescribed proportion, the account balance generated when it is used and the account balance generated when it is used. The source of personal medical insurance account assets includes part paid by individuals, the part paid by enterprises in proportion and the interest of funds. Personal medical insurance account belongs to personal legal property, which is mainly used for medical treatment and other related purposes, to deal with the expenses of insured persons in buying medicines in pharmacies, going to hospitals for medical treatment or paying part of hospitalization expenses at their own expense.