The amount of medical insurance transferred to an individual's account every month is determined based on the total salary. The individual part is all transferred to the account, and the part paid by the unit is transferred at 1% of the individual's payment base for those under 45 years old.

Taking Zhengzhou as an example, according to Article 23 of the "Zhengzhou City Basic Medical Insurance Measures for Employees", the full amount of employee medical insurance premiums paid by individual employees will be credited to their personal accounts, and a part of the employee medical insurance premiums paid by the employer will be credited in different proportions.

Personal account: (1) For those under 45 years old, 1% of the personal payment base will be transferred; (2) For those who are over 45 years old and have not yet retired (retired), 2% of the personal payment base will be transferred; (3) Retirement (retirement)

Personnel are allocated 4.5% of their basic pension.

The remaining part is used as a co-ordination fund and is managed and paid by the social insurance agency.

Extended information: Article 26 of the "Zhengzhou Basic Medical Insurance Measures for Employees" The principal and interest of a personal account are owned by the individual and can be carried forward and inherited, but cash cannot be withdrawn or used for other purposes.

Article 27 When the work unit of the insured person changes, the balance of the personal account can be transferred along with it.

If the transfer conditions are not met, it can be issued to the individual in one go.

If an insured person dies, the basic medical insurance relationship is terminated and the balance of his or her personal account is transferred to the legal heir in one go.

If there is no legal heir, the funds in the personal account will be transferred to the overall fund.

Zhengzhou Municipal Government - Zhengzhou City Employee Basic Medical Insurance Measures 1. Basic medical insurance premiums paid by individual employees shall be all transferred to personal medical accounts; basic medical insurance premiums paid by employers shall be transferred to personal medical accounts according to the following age groups: Dissatisfied

If you are 35 years old, you will be credited with 20% of the employer's contribution; if you are over 35 years old and under 50 years old, you will be credited with 30%; if you are over 50 years old, you will be credited with 40%; for retirees, you will be credited with the total pension or pension of the previous year.

8% of the total amount is transferred to the personal medical account.

2. If the employer is dismissed, resigns, retires, dies, etc., the employer shall go through the change procedures with the local tax department within 30 days and re-assess the amount of basic medical insurance premiums payable.

3. The allocation standards for active employees are: those under 35 years old, the basic medical insurance premium × 36%; those between 35 and 50 years old, the basic medical insurance premium × 44%; those over 50 years old, the basic medical insurance premium × 52%.

For example: an employee under the age of 35 has a medical insurance payment base of 3,000 yuan and a payment ratio of 10%. The total annual medical insurance payment is 3,600 yuan, and the proportion transferred to his personal account is 36%, and the fund is 1,296 yuan.

4. For retirees, 8% of their total pension or pension from the previous year will be transferred into their personal account.

For example: a retiree's total pension last year was 18,000 yuan, and the proportion transferred to his medical insurance account was 8%, with a fund of 1,440 yuan.

Social security payment ratio 1. Pension insurance: ① Individual contributions are paid based on 8% of the employee’s average monthly salary in the previous year (the minimum is 60% of the city’s employees’ wages in the previous year; the maximum is 300% of the city’s employees’ wages in the previous year).

② The unit payment is based on 22% of the employee’s average monthly salary in the previous year.

Effective from January 1, 2006, the Ministry of Human Resources and Social Security has adjusted the size of personal pension accounts from 11% to 8% of the salary paid by the individual.

The previous policy was that all personal contributions and 3% of the employer's contributions were included in the personal pension account, and 19% of the employer's contributions were transferred to social pooling. However, the new policy also transfers 3% of the employer's payments to social pooling to solve the empty pension account.

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2. Medical insurance: 10% for units, 2% + 3 yuan for individuals; 3. Unemployment insurance: 1% for units, 0.2% for individuals; 4. Work-related injury insurance: The work-related injury insurance rate is determined according to the industry scope into which the unit is divided.

Between 0.5% and 2%; 5. Maternity insurance: 0.8% for units, no payment for individuals.