According to the relevant regulations of the state on the basic management methods of medical insurance funds, the assets in personal accounts should be financial funds. According to the gradual accumulation of personal account funds, medical savings will be generated to deal with the economic burden of medical expenses of individuals or major family members and improve the risk resistance. According to the main family members, personal accounts should be used as a whole to ease the pressure of cash settlement at home and build a new security system of "I give it to my family and relatives".
Do you remember the most popular documentary film "Men's World" many years ago? Behind the documentary, we can truly reflect the social situation. After watching this documentary film, many people feel that there is probably no one, but don't get sick. And for all of us, how can we not get sick?
because everyone is sick, the medical insurance problem is of course the focus of our attention. From this year's perspective, China's medical security system is about to usher in an important transformation! Personal medical insurance account will be revoked. What should I do with the balance of my personal account?
1. Description of medical insurance accounts
In fact, the medical insurance accounts in China at this stage mainly include individual accounts and overall accounts. The personal account is a medical insurance account based on personal identity information. In the personal account of medical insurance, many key points such as medical insurance payment, consumption and so on will be clearly recorded. For example, this month, Zhang San used his medical insurance card to buy a box of cold granules at the drugstore and spent it on 3 yuan. This unit paid 2 yuan for Zhang San's medical insurance this month.
The above details will be clearly saved in Zhang San's personal medical insurance account. In the so-called pooling account, everyone pays for the factor medical insurance and the money is unified into one account. If the medical insurance harmonious account is compared to a desert, then the medical insurance quota charged by everyone is every grain of sand in the desert. The rubble piled up and finally formed a very large desert.
after the personal medical insurance account is cancelled, the account balance in each person's card will be transferred to the medical insurance co-ordination account for supervision, so as to improve the level of mutual assistance of medical insurance. Practically speaking, it is also a practical need to cancel the personal account of medical insurance in China, because there are many problems in the operation of the current private account of medical insurance.
2. Shortcomings in personal medical insurance accounts
At present, there are serious violations in the application of medical insurance cards in China. For example, a specific pharmacy that signed a contract with medical insurance actually organized a series of marketing activities, such as marketing promotion, distributing as many raw eggs as possible, and minimizing raw eggs. In addition, the heads of some pharmacies can also lure the beneficiaries to trade through various means. But in fact, after many insured people buy a lot of drugs in pharmacies, they are basically meaningless.
The reason for this is the lack of supervision of medical insurance institutions. In fact, in addition to the routine secret inspection of hospital pharmacies, medical insurance units basically do not supervise the personal behavior of social security card swiping credit cards for the rest of each year. Internal auditors of diagnosis and treatment should not sit in the company office, but should "stroll" to hospitals and pharmacies regularly. According to the management standard of "double random and one announcement", the decision-making power is generated according to the daily inspection of promotion.
At the level of supervision and reporting, although all designated medical institutions have been posted on the bulletin board of supervision and reporting by the Social Security Bureau, many people still have the psychological state of "travelers who have nothing to do with themselves", and even if they find illegal operations, they rarely report them. The basic construction of digital platform for management and control is backward. In addition, many medical insurance units in China haven't established the personal behavior supervision mechanism of social security card swiping credit card, and the card swiping system of hospital outpatient or pharmacy is all controlled by themselves.
3. The answer is
Actually, canceling the personal account of the medical insurance card will not affect the personal account, but it will also improve the benefits of personal medical insurance. Why do you say that? Mainly because the cancellation of individual medical insurance accounts will enhance the fund management ability of the overall account. Once the personal account with medical insurance is improved, China will have more assets to change everyone's medical insurance benefits.
From the above analysis, it can be seen that there are many confusions in the application of individual medical insurance accounts at this stage, and this messy existence has obviously affected the normal operation of the medical security system. China must also cancel the personal account of medical insurance, so that the medical security system can operate normally and really protect the people's "hard-earned money." Finally, I want to ask you, do you think it is necessary to cancel the personal account of medical insurance?
Personal account of social medical insurance is a medical insurance fund paid by social security and its employing company, which is allocated to a certain proportion according to the working environment, psychological characteristics and other factors of the insured, so as to pay medical expenses within the scope of medical insurance requirements for the insured when he is at risk of illness. Personal medical account assets are an important part of the medical insurance fund.