Retirees’ personal accounts are credited with 4% of the unit’s per-employee contribution base.

Personal account transfer standards:

1. The basic medical insurance premiums paid by individual employees shall be transferred in full to their personal accounts (i.e., on social security cards);

2. The basic medical insurance premiums paid by the employer are transferred to the personal accounts of employees and retirees in the following proportions:

(1) For employees under 35 years old, 1.3% of their basic medical insurance payment base is transferred

(2) For employees aged 35 to 44, 1.5% of their basic medical insurance payment base is included;

(3) For employees over 45 years old, 1.5% of the basic medical insurance payment base is included 1.7% of the basic medical insurance payment base of the individual shall be transferred;

(4) Retirees shall be transferred 4% of the per-employee payment base of the unit.

(5) For retirees from closed and bankrupt state-owned enterprises and older laid-off workers from state-owned enterprises who pay medical expenses for the rest of their lives in one lump sum, their personal accounts will be credited with 4% of 60% of the city’s average salary in the previous year. .

Employee medical insurance is generally divided into individual accounts and pooled accounts, among which:

(1) Personal accounts can pay the following fees:

1. Purchases from designated retail pharmacies Pharmaceutical expenses, outpatient and emergency medical expenses;

2. Used to purchase commercial insurance, accident insurance, etc.;

3. Medical treatment below the minimum standard of the basic medical insurance pooling fund

4. If the minimum payment standard of the basic medical insurance pooling fund is exceeded, the personal expenses payable shall be borne in proportion. 5. If the personal account is insufficient to pay, the person shall pay it.

(2) The overall account mainly pays for the following expenses:

1. Medical expenses for hospitalization;

2. Radiotherapy for malignant tumors, renal dialysis, renal Outpatient medical expenses for taking anti-rejection drugs after transplantation;

3. Medical expenses for patients who are hospitalized after emergency rescue and stay for observation for seven days before hospitalization.