2. Premiums paid by the organization: part of the premiums will be transferred to the employee's personal account, and the other part will be transferred to the integrated fund to pay for inpatient medical fees and special medical treatment fees. The amount transferred to the employee's personal account is calculated according to the following criteria.
(1) under 35 years old: 2.5% of the monthly contribution base for the individual account;
(2) 35 to 45 years old: 3% of the monthly contribution base for the individual account;
(3) non-retired employees over 45 years old: 4% of the monthly contribution base for the individual account.
(4) Unit-insured retirees: retirees are credited with 5% of their pension.
But it should be noted that different regions have different criteria for crediting, the above percentages are for reference only, and you need to consult your local social security bureau for specific details.
Scope of use:
Individual accounts are mainly used to pay for general outpatient medical expenses, the cost of purchasing medicines and hospitalization medical expenses borne by the individual. At the same time, according to the "Notice on Adjusting the Scope of Payment of Individual Accounts for Zhengzhou Urban Employees' Basic Medical Insurance" (Zheng Renminsha Medical [] No. 13), the individual account can also be used within the following scope:
1. For payment of medical expenses incurred by the individual and his/her designee for outpatient medical treatment in designated medical institutions (excluding outpatient prescribed diseases, outpatient serious and major diseases, and outpatient co-ordination), or the costs incurred for purchasing medicines in designated retail pharmacies. retail pharmacies.
2. It is used to pay for the medical expenses borne by the individual who is hospitalized.
3. It is used to pay for the retiree's commercial supplementary medical insurance premiums.
4. It is used to pay for the costs of purchasing and injecting vaccines for disease prevention at designated medical institutions for the retiree and his/her designee.
5. It is used to pay for the medical expenses incurred for health checkups, prosthetic limbs, eyes and other artificial prostheses, and treatment of dental diseases at designated medical institutions.
6. It is used to pay for the expenses incurred by me and my designee for the purchase of food and health-registered health food products, anti-personnel supplies approved by the health department, household medical (health) instruments and medical consumables at designated retail pharmacies. The principal and interest of the individual account are owned by the insured person personally, and can be carried forward and inherited, but cannot be withdrawn in cash or misappropriated for other purposes.
Legal basis
Article 23 of the Social Insurance Law of the People's Republic of China*** and the State of China, employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with the state regulations*** together.
Individual industrial and commercial households without employees, part-time workers who do not participate in the basic medical insurance for employees in their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.
Article 24: The State shall establish and improve a new type of rural cooperative medical care system.
Methods for administering the new type of rural cooperative medical care shall be prescribed by the State Council.
Article 25: The State shall establish and improve the basic medical insurance system for urban residents.
Basic medical insurance for urban residents is a combination of individual contributions and government subsidies.
The portion of individual contributions required by people enjoying the minimum subsistence guarantee, persons with disabilities who have lost their ability to work, and elderly people over sixty years of age and minors from low-income families shall be subsidized by the government.