Methods and levels for scientifically and reasonably determining personal accounts. Personal accounts of on-the-job employees are included in the basic medical insurance premiums paid by individuals, and the inclusion standard is controlled within 2% of the base of my insured payment in principle. The basic medical insurance premiums paid by the unit are all included in the overall fund.
In principle, the individual accounts of retirees are allocated by the overall fund according to the quota, and the amount allocated is calculated at about 2% of the basic pension during the reform in this area, and will not be adjusted in the future. The specific proportion or standard of individual accounts shall be determined by the provincial medical insurance department in accordance with the above principles, guiding the overall planning area to combine local conditions and making overall research. After the adjustment of the overall account structure, the funds allocated to individual accounts are mainly used to support and improve the economic security and treatment of outpatient services.
Extended data:
Provisions on the relevant requirements for the reform of basic medical insurance for employees:
1, the general outpatient service covers all employees' medical insurance participants as a whole, and the payment ratio starts from 50%. With the strengthening of the fund's affordability, the level of protection is gradually improved, and the payment of benefits can be appropriately tilted towards retirees. According to the characteristics of outpatient medical service, scientifically calculate the minimum payment standard and the maximum payment limit, and make a good connection with the hospitalization payment policy.
2. Personal accounts are mainly used to pay the out-of-pocket expenses of insured employees within the policy scope of designated medical institutions or designated retail pharmacies. It can be used to pay the medical expenses incurred by employees themselves, their spouses, parents and children in designated medical institutions with medical insurance, as well as the expenses incurred by individuals in purchasing drugs and medical consumables in designated retail pharmacies.
The Central People's Government-"Guiding Opinions on Establishing and Improving the Economic Security Mechanism for Employees' Basic Medical Insurance Outpatients (Draft for Comment)" is open for comments.