What is the annual limit of the five-guarantee household medical insurance card?

The annual limit of a medical insurance card is related to the payment ratio and payment base of personal medical insurance. The proportion of medical insurance premiums paid by individuals is 2% of salary, and the full amount is credited to the personal account. The part paid by the unit is divided into different proportions according to different ages. Generally, 0.8% is allocated for those under 35 years old, 1% for those aged 35 to 45, and 2% for those over 45 years old.

Taking Huaiyuan County as an example, the hospitalization policy for households with five guarantees is: compliance expenses within 15,000 yuan per year will be fully reimbursed; the excess can be resolved (partially) through temporary assistance or other forms as appropriate, but Currently, there is no such policy that full reimbursement will be made for the portion exceeding the limit. For households with five guarantees whose medical expenses exceed the limit, if the overspending exceeds RMB 10,000, they can apply for a "one case, one discussion" study by the County Civil Affairs Bureau. The specific criteria for assistance shall be subject to the study results.

Introduction:

The money in the medical insurance card cannot be withdrawn and can only be used to purchase medicines at designated hospitals and pharmacies. However, the money in the medical insurance card can be withdrawn and used in the following three situations:

1. The use of the medical insurance card is terminated: if the insured person dies, relatives can go through the withdrawal procedures with the death certificate;

2. Immigration of the insured person: go through the withdrawal procedures with the certificate issued by the public security department;

3. Transfer to another place: after enrolling in the local insurance, the balance of the medical insurance account can be transferred to a new account.

The money in the medical insurance card cannot be withdrawn in cash. It can only be put in there for your medical expenses. However, there is a fixed annual usage quota and the scope of reimbursed drugs. For specific information, you can consult the Social Security Bureau.

Reference for the above content? Huaiyuan County Civil Affairs Bureau-About the issue of medical reimbursement for households with five guarantees