Part of the funds in the personal medical insurance account belong to personal assets, as long as they are mainly used for personal medical care, they are allowed. At the beginning or end of each month, we will return the money to our social security card according to the individual's payment base and refund ratio, which is the balance we found in the social security system. The balance is divided into two parts, one is last year's surplus; Second, it is confidential. If the part allocated last year is not used at the end of the year, it will become the surplus of last year; At the beginning, it was classified as a part. Because the employees pay monthly, the individual medical insurance account is also refunded monthly. This year, most freelancers can pay in one lump sum, and the staff who pay in one lump sum will also return some personal social security cards in proportion, which shows that they were originally classified.
Whether it is last year's surplus or the original distribution, it will be accumulated into the balance and can be used cumulatively. The requirements of medical insurance system vary from place to place, and the solutions are also different. In some places, if the balance is large, some places can also transfer the balance of the previous year to the insured's personal account in cash. I was still in Chongqing last year, and most of them were handled in this way. This method is mainly used for people who are placed in different places to handle medical records or who work outside for a long time and apply for medical records in different places.
For the staff who have gone through medical treatment in different places, the funds are very small, and they are generally used according to the total balance of the account. If this year's application is partially completed, last year's balance can be applied, and the unused personal account balance can be calculated according to regulations. The natural medical insurance fund usually deals with the problem of seeing a doctor. In order to ensure the safety of hard-earned money, there is generally no financial input, so the interest expenses generated are relatively small, which is equivalent to the interest of bank demand deposits and loans.
For example, your personal account shows a surplus of 3,376.13 yuan last year, originally allocated to 8 19.24 yuan, but you only used 40.43 yuan at the beginning, and the original surplus was 778.438+0 yuan. Judging from this application order, the funds originally allocated are given priority. If the funds allocated in the current year are allocated, the balance of last year can be used. But this last year's surplus actually involves the surplus of previous years, not necessarily the surplus of last year. As long as the money is credited to your personal account, it will always be the money in your social security card account. If you can't spend all this year, you can spend it next year, and even if you die in the future, your relatives can inherit and use the money.
Generally speaking, the medical insurance account is to return the money from the core of medical insurance to the social security card. The money that was not used before was returned to last year's surplus, and the money that was originally distributed was originally distributed. Last year's balance and the account balance originally attributed to personal medical insurance account, as long as it is your personal account balance, it will always be your own money. No matter last year's surplus or previous year's surplus, it can be used anytime and anywhere as long as it is applied to the usefulness of medical care.