Specifically, the refund standard of employee medical insurance card in Chongqing is related to the amount of employee medical insurance payment, medical insurance policy and the balance of individual medical insurance account. Under normal circumstances, the refund ratio of employees' medical insurance cards is determined according to a certain proportion of their medical insurance contributions, and the specific proportion will change according to the adjustment of medical insurance policies. In addition, the balance of the employee's medical insurance card account will also affect the amount returned. Generally speaking, the higher the account balance, the higher the amount returned.
It should be noted that the refund standard of employee medical insurance cards in Chongqing is not static, and will be adjusted according to the adjustment of medical insurance policies and changes in social and economic conditions. Therefore, employees need to pay attention to the changes in medical insurance policies and keep abreast of their medical insurance card refunds.
In addition, employees should pay attention to some rules and restrictions when using medical insurance cards. For example, the scope of use, reimbursement ratio and reimbursement limit of medical insurance cards are clearly defined, and employees need to know the relevant regulations before using them to avoid unnecessary troubles.
To sum up:
The reimbursement standard of employees' medical insurance card in Chongqing is determined according to the payment amount of employees' medical insurance, medical insurance policy and the balance of individual medical insurance accounts, aiming at ensuring that employees can enjoy certain economic subsidies when seeking medical treatment. Employees need to pay attention to the changes of medical insurance policies, know the refund of their medical insurance cards in time, and abide by relevant regulations and restrictions when using medical insurance cards.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23 provides that:
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
Measures of Chongqing Municipality on Basic Medical Insurance for Employees
Article 15 stipulates:
The insured workers pay the basic medical insurance premium on a monthly basis, and the personal account funds are transferred to my social security card by the agency on a monthly basis. Personal account funds are used to pay for medical expenses of himself and his relatives; The medical expenses after the funds in the personal account are used up shall be paid by the overall fund according to the provisions of these measures.