On the weekend, Yougu Xiaobian saw that the Bank of Beijing was overcrowded, and most of the customers waiting in line were eager to withdraw money from the medical insurance passbook. What's going on here? It turns out that Yang Xiaochao, vice mayor of Beijing, said during the "two sessions" this year that the personal medical insurance account will be closed before the end of the year, and the money in the account can no longer be withdrawn at will but can only be used for medical treatment. As soon as the news came out, people had to withdraw the money from the medical insurance passbook.
misunderstanding, this is definitely a misunderstanding! There is really no need to queue up at Bank of Beijing now. After the research of Yougu Xiaobian, it was found that after the Beijing medical insurance personal account was closed at the end of the year, the personal account funds were directly credited to the social security card and no longer credited to the passbook. The funds that have been paid into the personal medical insurance passbook belong to individuals and will not be sealed, and it is not too late to take them again next year.
Next, let's talk about the money in the medical insurance account.
Students who work in Beijing will have a passbook of Bank of Beijing, which is used to store the medical insurance that everyone pays every month. All along, you can withdraw the money from here at any time. If you lose your passbook, just bring your ID card and social security card to the Bank of Beijing for a new one.
medical insurance is paid by both the unit and the individual. The money paid in the past is divided into two parts, one of which goes into the personal account (that is, the money in your medical insurance passbook) and the other into the overall account (this money is invisible at ordinary times and can only be used for hospitalization reimbursement). The proportion of people entering personal accounts varies with age.
to be more specific, the money in your medical insurance passbook is "2% of salary plus 3 yuan" deducted from your salary every month by the company, and there will be a .8% medical insurance rebate every month. These two items add up to about 2.8% of your salary. If the minimum social security base in Beijing is 3,134 yuan, it will be 9.75 yuan per month and 1,89 yuan per year. If social security is based on 5, yuan, there will be 14 yuan in the passbook every month and 1,68 yuan in a year. The base of social security in each unit is different, and the amount of medical insurance return will increase with age, so the above figures are for reference only.
I would like to remind you that the money in the medical insurance passbook pays interest according to the current period, with an annual interest rate of .35%, which is far lower than the annualized income of 5%-6% of the money fund "babies".
Our conclusion is that the interest rate of the money in the personal medical insurance passbook is too low, so you can take it out, but you can take it at any time in the future. There is no need to join in the queue now.
It is understood that in fact, many places such as Guangdong and Shanghai have already credited the personal medical insurance amount to the social security card, and you can check the amount and status in your personal account online at any time. Some other provinces have medical insurance passbooks like Beijing, while others don't. However, the final trend is definitely to cancel the medical insurance passbook.
Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.