The Decision of the State Council on Establishing the Basic Medical Insurance System for Urban Workers (Guo Fa [1998] No.44) stipulates that the basic medical insurance fund raised in that year shall bear interest according to deposit interest rate; The fund principal and interest carried forward from the previous year shall bear interest at the bank deposit rate of lump-sum deposit for three months; The deposited funds deposited in the financial special account of social security shall bear interest according to the three-year zero deposit and lump-sum savings deposit interest rate, which is not lower than the interest rate of this grade. The principal and interest of an individual account are owned by the individual and can be carried forward and inherited. The funds deposited in the employee's personal account shall be calculated according to the interest of urban and rural residents' current deposits stipulated by the state from the 15th day of the next month.