The reasons for the small amount of money deposited into the personal account of medical insurance every month are as follows:
1, wrong query method. Medical insurance cards are divided into medical insurance personal accounts and medical insurance financial accounts. If you don't deposit the money in the financial account, go to the ATM of the bank to check, and there will be no money in the medical insurance card. If you need to inquire about personal medical insurance accounts, you need to go to designated hospitals, pharmacies and medical insurance agencies, or call the social security hotline 12333.
2. The medical insurance institution has not transferred the account. If you haven't got the medical insurance card for a long time, the balance will be displayed as zero. It may be that the medical insurance agency has not officially transferred households, so just wait patiently;
3. Participate in urban and rural residents' medical insurance Now the basic medical insurance for urban and rural residents (including the new rural cooperative medical insurance and urban residents' medical insurance) is gradually canceling individual medical insurance accounts and transitioning to outpatient co-ordination accounts. Therefore, the insured who participates in the medical insurance for urban and rural residents no longer has a personal account for medical insurance. Please check that the balance is zero yuan. If there is money in it before, it can be used as insurance premium for next year.
There is less money in the medical insurance account. What happened?
Because the amount included in the personal account of medical insurance for insured employees should be adjusted according to the method of making up the difference, there will be less money and more money. Before the base number is approved, the unit shall pay in advance 1 10% of the base number paid in February last year. After the base is approved, the fees paid before the base is approved in the current year and the fees payable after the base is approved shall be adjusted.
The decrease of personal medical insurance account amount is mainly due to the change of personal medical insurance account. In order to realize the overall planning of medical insurance outpatient service, the main method is to reduce the funds remitted into personal accounts by retired insured employees of basic medical insurance every month, and the saved funds are used for the overall planning of serious and serious diseases in outpatient service, so that the insured can also reimburse some medical expenses when they seek medical treatment in outpatient service.
In fact, the change of medical insurance accounts not only reduces the funds allocated to the medical insurance accounts of retired insured persons, but also reduces the funds allocated to the medical insurance accounts of active insured persons. After the change, for on-the-job employees, the medical insurance expenses paid by the unit no longer enter the medical insurance account, but enter the medical insurance pooling fund, and only the expenses paid by the employees themselves enter the medical insurance account. For retirees, changing the remittance of funds from the medical insurance account to a fixed amount or a certain proportion of pensions is mainly to reduce the fixed amount and proportion, thus reducing the funds remitted to personal accounts every month.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 7 The administrative department of social insurance in the State Council is responsible for the management of social insurance throughout the country, and other relevant departments in the State Council are responsible for the relevant social insurance work within their respective functions and duties.
The social insurance administrative department of the local people's government at or above the county level shall be responsible for the social insurance management within its administrative area, and other relevant departments of the local people's government at or above the county level shall be responsible for the relevant social insurance work within their respective functions and duties.
Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.
The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.