How to pay the medical insurance premium for retirees?

According to 5% of the basic pension, the personal account on the medical insurance card of the insured person insured by the unit is not paid by himself; The medical insurance card for flexible employees also has a personal account of 15 yuan every month since last year, which can be used to pay outpatient expenses, which is equivalent to outpatient reimbursement (unless the insured belongs to civil servants or the unit has other reimbursement policies).

The money refunded by the social security card is the personal payment part of your medical insurance, and the total amount of the unit payment part is transferred to the personal account of medical insurance according to state regulations. Taking Beijing as an example, it is stipulated that the medical insurance premium paid by the employer shall be transferred to the personal account as follows:

Employees under the age of 35 are included in personal accounts according to 0.8% of their monthly salary base;

Employees over 35 years old and under 45 years old will be transferred to personal accounts according to 1% of their monthly salary base;

Employees over the age of 45 are included in personal accounts according to 2% of their monthly salary base;

Retirees under the age of 70 are included in personal accounts according to 4.3% of the average monthly salary of employees in this city in the previous year;

Retirees over the age of 70 were transferred to personal accounts according to 4.8% of the average monthly salary of employees in this city in the previous year.

Therefore, how much money is deducted from the social security card every month is related to the individual payment amount of medical insurance, the base of medical insurance payment, and the age of the individual. It is not directly related to the total social security paid every month, and the amount returned to the social security card will not be calculated by the total social security paid every month. Please calculate according to the above tips and salary base.

The use of medical insurance card is as follows:

1, scope of use of medical insurance card. Insured employees can swipe their cards on POS machines with passwords when purchasing medicines in designated hospitals and pharmacies, but they cannot withdraw cash or transfer money.

2. Check the balance of medical insurance card. Insured employees can inquire about the balance by telephone, or at China Bank Savings Office or designated hospitals and pharmacies in urban areas. You can also log in to the social security inquiry system online.

3, medical insurance card transaction query. Insured employees can print medical insurance card transaction records with their ID cards and medical insurance to China Bank Savings Office, including expenditure records and consumption records of personal account funds. If you have any questions about the transaction records, you can go to the retail business department of Bank of China.

4. Medical insurance card password. If the insured employees change their passwords, they can make changes by phone, or they can make changes with their ID cards at China Bank Savings Office. If the insured employee forgets his password, he can report the loss of the original password with his ID card to China Bank Savings Office and change it.

5. Take care of the medical insurance card. Insured employees should take good care of their medical insurance cards. If you accidentally lose it, please immediately issue a letter of proof to the unit and stamp it in the medical insurance office for confirmation. Then, they will take their ID cards to China Bank Savings Office to report the loss and go through the replacement procedures. After 7 days, they can get a new card.

To sum up, it is Bian Xiao's relevant answer about how to allocate the medical insurance premium for retirees, hoping to help you.

legal ground

People's Republic of China (PRC) social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.