The medical insurance pooling account will not be exhausted.

1. For personal accounts, the transfer ratio is 2% paid by yourself + 9% paid by the employer (0.8-2%). 0.8% is transferred to those under 35 years old, 1% is transferred to those aged 35-45, and 2% is transferred to those over 45 years old.

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That is to say, if you are under 35 years old, your personal account is 2.8%, of which 2% is paid by yourself and 0.8% is transferred by unit.

You can swipe your card to see a doctor or buy medicine from your personal account. Simply put, medical expenses that are not reimbursed by social security need to be paid by the individual.

It’s similar to a stored-value shopping card in a supermarket. You can’t withdraw cash except by swiping the card to “buy something”.

But Beijing’s personal medical insurance accounts are currently open. What does it mean? You can go to the bank and withdraw cash directly with your medical insurance passbook.

This year, whether you see a doctor or buy medicine, you can withdraw it without any restrictions.

Second, the overall account has nothing to do with the individual. To put it simply: payment from the overall fund = social security reimbursement.

However, there is a limit on overall fund payment, which is the upper limit of social security reimbursement.

In Beijing, the medical insurance pooling fund pays: expenses above the hospitalization deductible (1,300 yuan) to 100,000 yuan.

You may ask, hospitalization over RMB 100,000 will not be reimbursed, but hospitalization over RMB 100,000 will also be reimbursed, but for large mutual aid payments, the cap is RMB 500,000.

Large-amount mutual aid means that individuals pay 3 yuan per month, and 1% of the 9% paid by the employer goes into the "fund pool" of large-amount mutual aid.

Inpatient expenses exceeding 100,000 (up to a cap of 500,000) and outpatient expenses exceeding 1,800 (up to a cap of 20,000) are all paid for with large mutual aid.

3. Social security reimbursement in Beijing, overall fund payment: RMB 13-100,000 for hospitalization. Large-amount outpatient payment: RMB 18-20,000. Large-amount hospitalization payment: RMB 100,000-500,000 for outpatient service. Different fund pools are used to "reimburse" different expenses. Hospitals

The system connected to the Social Security Center enables real-time settlement and is accurate.

If the outpatient bill exceeds 1,800, or the hospitalization bill exceeds 1,300, settlement will automatically start, and individuals only need to pay what they should pay.

Does it matter whether the overall fund reimburses you or the large-scale mutual aid reimburses you?

Anyway, it’s the hospital and the Social Security Center that settle the matter (ask for money), haha!

So, it has nothing to do with the individual.

Fourth, where does the money for the overall fund come from? The unit pays 9%, of which 1% goes into large amounts, 0.8-2% is transferred to personal accounts, and the rest goes into the overall fund.

Therefore, all the money for the overall fund comes from units, not individuals.