The balance of our personal medical insurance account is actually exactly the same as the current savings in our bank. If you don't withdraw the money in the bank, then this money will always be here and it will never be lost.

The same is true for the balance of our personal medical insurance account. That is to say, if you don't use the balance of your medical insurance account, this money will always exist.

However, the reform of the medical insurance account balance will actually mean that your account income will be reduced relatively speaking, but it will not have any impact on the permanence of our account balance.

Starting this year, that is, starting in 2022, the reform of personal medical insurance accounts will be implemented.

One of the most typical changes is that the transfer of account balances will be reduced. Whether you are an employee of an enterprise or institution or a retiree, the balance of your personal medical insurance account will be reduced accordingly.

In the past, our employees included enterprises, government agencies and institutions. The portion of their personal account balance that was transferred was 2% of the personal payment. If the full amount was transferred, 30% of the total amount paid by the work unit would also be transferred, which is equivalent to yours.

This transfer ratio will reach about 3% to 4%.

Article 27 of the "Social Insurance Law of the People's Republic of China": Individuals who participate in the basic medical insurance for employees, and when they reach the legal retirement age, their cumulative contributions reach the number of years specified by the state, they will no longer pay basic medical insurance premiums after retirement. In accordance with national regulations

Enjoy basic medical insurance benefits; those who have not reached the nationally prescribed years can pay premiums up to the nationally prescribed years.

Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.

Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit.

The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.