We pay urban employee medical insurance when we are on the job, which is paid by the employees in proportion. The overall contribution ratio is 8, of which the enterprise contribution ratio is 6, which is recorded in the medical co-ordination fund, and the individual contribution ratio is 2, all credited to personal account. These are the two major account management mechanisms of medical insurance that we usually talk about. These two accounts are managed independently and do not occupy each other. In particular, it is up to you to decide how to use your personal account and when to use it.
The funds for medical insurance personal accounts mainly come from three parts. The first part is the 2 we pay ourselves, and this part must be fully returned to the social security card of the insured person; the second part is the part paid by the enterprise. According to the relevant regulations of the medical security system, the enterprise pays A portion of 30 will be returned to the personal account. Although this year's National Medical Insurance Administration has promulgated the latest policy on personal account allocation, it will take some time for the latest policy to be truly implemented; the third part is the interest generated by the balance of personal accounts. Because the personal account of medical insurance needs to be continuously selected, the interest on the funds is charged based on the interest of the current deposit bank, and the profit of this part is very low.
Because the personal account assets of medical insurance belong to personal money, I can use them how I like. But basically everything has rules. There are very strict regulations on the use of funds in medical insurance personal accounts. Generally speaking, they can only be used for medical purposes or for taking medicines. One is for buying medicines, medical equipment, medical supplies, etc. at designated pharmacies; the other is for medical treatment at clinics of designated hospitals; the third is mainly used for those who need to pay out-of-pocket for medical expenses in designated hospitals for themselves or their family members. part.
It can be seen from the three regulations that whether it is a pharmacy or a hospital clinic, there are two words designated, that is, a designated pharmacy or a designated hospital, a non-designated pharmacy or a non-designated hospital. , because there is no electronic payment access equipment and credit card swiping equipment, it is impossible to swipe credit cards in non-designated pharmacies and hospitals. When buying medicine online, three widely used methods are Alipay wallet, mobile WeChat or bank transfer.
Even if the pharmacy where you buy medicine online belongs to a designated pharmacy or a designated hospital, it requires online payment, a social security card or a medical insurance card, which cannot be linked to Alipay wallet or WeChat, or the social security card. Personal medical insurance account assets are stored in the social security account number in the social security card and have no financial function. They cannot be transferred or paid on the mobile phone. Only special machines can make payments.
But one way is to buy medicine online. Only the funds in the personal medical insurance account are transferred into the financial function of the personal savings card or social security card in cash. When the financial account is bound, This can also be achieved by using Alipay wallet or WeChat, or activating the mobile online banking function. However, medical insurance is paid into personal accounts in cash. In addition to expatriates and retired employees who have registered for medical treatment in other places, there are also a few places such as Beijing where medical insurance is paid into personal accounts in cash.
With the comprehensive promotion of Electronic Society Warranty Card in the future, if Electronic Society Warranty Card has online payment function, you only need to identify the QR code of the other party’s pharmacy, or the other party through Electronic Society Warranty Card Scanner The QR code in the pharmacy may make it possible to buy medicine online and pay with a social security card, but when this method can be realized, or whether it can be completed, it is impossible to predict and analyze at this stage.
In general, you cannot buy medicine online with a medical insurance card or social security card. You must use a machine connected to the Internet in a designated hospital, designated pharmacy, or the local medical insurance department. Pay for medicines with a credit card; only when the personal medical insurance account assets are transferred to a bank card in cash can you pay when buying medicines online.