Employee medical insurance personal account now has more than 100,000 yuan account balance probability is very low, even if it is true that the medical insurance account balance of 100,000, can only be used to use with the medical equipment related to the use of personal medical insurance account assets can not be used for other purposes.
The urban and rural workers' health insurance outpatient **** relief protection system has long been created in the region, the individual health insurance account assets in addition to my use of diagnosis and treatment related to the use of unnecessary assets have been allowed to the main members of the family co-ordination, in other words, in addition to their own medication in addition to medical treatment, but also can be used to assist other members of the family to get medication, the payment of the hospitalization fees of the starting line, or from the cost of the medical fees, or to pay for urban and rural residents' medical insurance for the main members of the family, and so on.
Our country's urban workers' health insurance was created in accordance with the State Council's Decision on the Establishment of a Basic Health Insurance System for Urban Workers, with the earliest areas gradually created in 1999 and most areas created after 2000. According to the system, the medical insurance personal fund account, generally by the individual to pay 2% of the generation, in addition to the individual to pay a part of the enterprise to pay a part of the fees need to be in accordance with the 30% ratio of the return.
But the 30% refunded by the enterprise part of the fee is not the average value of the refund, but in accordance with the average age to determine the percentage of the refund, the highest percentage of the refund, the enterprise part of the fee plus a part of the personal contribution, some people can do 5%. The contribution base of the medical insurance, the overall contribution rate of 8%, the individual contribution rate of only 2%, is based on the actual income of the individual as the contribution base, if the actual income of the individual exceeds 300% of the average monthly income of the employees of the previous year, only in accordance with the average monthly income of the employees of the previous year to do 300% of the contribution base, which is the same as most of the social pensions insurance contribution base.
Today's personal account totals more than 100,000 yuan, according to the medical insurance contributions for 20 years to calculate the average value of each year to 5,000 yuan, 417 yuan per month, according to the average value of the return of the proportion of 4% to calculate the monthly contribution base of 10,425 yuan. Paying 20 years of monthly contributions to do more than 10,000 yuan deposit base, that is not easy, of course, is not without the possibility of existence.
Because the balance of the medical insurance account of the medical insurance contains a part of the interest of the funds, but the interest of the funds is very low, the medical insurance fund is mainly used to deal with the participants in the medical treatment, has a strong timeliness, in most cases, only the storage of the financial institutions, and not like the pension fund that can be used for financial investment, and therefore are based on the bank demand deposit interest rates for calculation, so the interest of funds Therefore, the interest on the funds is extremely low. In this case, the individual health insurance account assets interest is very small, most of them or the health insurance fund to return the capital.
Part of the human body is very good people, the contribution base is relatively high people, because of the individual's health basically did not live in the hospital outpatient, usually almost very few medicines, coupled with the former personal health insurance account assets only I apply, resulting in a part of the individual health insurance account assets more and more accumulated more and more, but more than 100,000 yuan is also very difficult.
The use of personal health insurance account funds is usually threefold. One is mainly used to the designated pharmacy to buy drugs, medical supplies, medical machinery, etc.; two is used to hospitals, in the outpatient **** Jinji protection system has not been created before the employee health insurance outpatient fees are charged by the individual account assets; three is used to hospitalization of the individual's out-of-pocket expenses part of the treatment. This includes costs below the starting line, costs that must be paid out of pocket after payment by the health insurance fund, and costs above the maximum payment limit.
For people in good health, who rarely take medication or seek medical attention, there will indeed be a large surplus of personal health insurance account assets. In accordance with the relevant provisions of the national health insurance system, personal health insurance account assets, in addition to the main purpose of the diagnosis and treatment, can not be used for other payment projects, can not be used for their daily consumption.
If the main members of the family have health insurance, all have individual accounts, family **** Jin are unable to apply the cost of the end. It's a good thing that you can't use it, because 100,000 dollars in a personal account is a lot of money to make sure that you're still going to be able to use it in case you need it in the future.