because of different ages, the proportion of individual accounts is different, and the balance of medical insurance card is different with different payment amount. The details are as follows: 1. The amount paid by the unit is 8% of the payment base, and the amount paid by the individual is 2% of the payment base; 2. 2% of individuals enter the medical insurance personal account (medical insurance card); 3. The part allocated by the unit will also enter the personal account of medical insurance, and the proportion is: .7% under 45 years old, 1.2% from 45 years old to retirement, and 3.4% from retirement; Or .6% under 45, 1.1% from 45 to retirement, and 3.2% from retirement. First, the role and scope of use of medical insurance: 1. The scope of use of medical insurance card: When insured employees buy medicines in designated hospitals and pharmacies, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money. 2, medical insurance card balance inquiry: insured workers can make a balance inquiry by calling, or at bank savings offices or designated hospitals and pharmacies in urban areas. 3, medical insurance card transaction inquiry: Insured employees can go to the bank savings office to print medical insurance card transaction records, including personal account payment records and consumption records. If you have any questions about the transaction records, you can go to the retail business department of the bank for inquiry. 4. Medical insurance card password: If the insured employee changes his password, he can go to the bank savings office with his ID card to change it. If the insured employee forgets his password, he can go to the bank savings office with his ID card to report the loss of the original password and change it. 5. Custody of medical insurance card: Insured employees should take good care of the medical insurance card. If they lose it carelessly, please immediately issue a certificate letter to the unit and stamp it at the medical insurance office for confirmation, and then report the loss to the bank savings office with your ID card and go through the formalities of replacing the card. Second, the insurance process: 1. The insured unit or individual truthfully fills in the Registration Form of the Insured Unit and the Registration Form of the Insured Person, and provides a copy of the legal person business license, organization code certificate, tax registration certificate and payroll; 2, medical insurance office in accordance with the provisions, review the relevant information, the qualified insured information input computer management, print the "payment notice" and "collection plan list"; 3, the insured units or individuals pay a large amount of medical insurance, card fee, and pay two 1 inch bareheaded photos, at the same time making medical insurance "special medical record" and IC card.

legal basis "the State Council's decision on establishing the basic medical insurance system for urban workers" III. Establishment of basic medical insurance pooling funds and individual accounts. The basic medical insurance fund consists of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts. The basic medical insurance premium paid by the employer is divided into two parts, one part is used to establish the overall fund and the other part is included in the personal account. The proportion of individual accounts is generally about 3% of the contributions paid by the employer, and the specific proportion is determined by the overall planning area according to the payment scope of individual accounts and the age of employees. Pooling funds and individual accounts should delimit their respective payment ranges, account for them separately, and shall not occupy each other. It is necessary to determine the Qifubiaozhun and the maximum payment limit of the overall fund. The Qifubiaozhun is controlled in principle at about 1% of the average annual salary of local employees, and the maximum payment limit is controlled in principle at about 4 times of the average annual salary of local employees. Medical expenses below Qifubiaozhun shall be paid from personal accounts or by individuals themselves. Medical expenses above Qifubiaozhun and below the maximum payment limit are mainly paid from the overall fund, and individuals also have to bear a certain proportion. Medical expenses exceeding the maximum payment limit can be solved through commercial medical insurance and other means. The specific Qifubiaozhun, the maximum payment limit and the personal burden ratio of medical expenses above Qifubiaozhun and below the maximum payment limit of the overall planning fund shall be determined by the overall planning area according to the principle of balancing income and expenditure.