How much medical insurance rebate can Taiyuan retirees get per capita?

For many retired friends, the monthly medical insurance card will allocate a fixed sum of money for everyone to go to the hospital for outpatient service or buy medicine. Naturally, only when you retire after paying the local medical insurance payment period will you experience the treatment. Recently, many retired friends asked me how to calculate the amount of medical insurance card.

Let's take a look at the relevant regulations in Taiyuan, Shanxi. According to "Common Sense of Medical Insurance for Employees in Taiyuan City", the level of personal accounts for medical insurance is 5% for retired employees (pension for administrative institutions), 3.9% for employees over 46 years old (including 2% for self-payment) and 2.8% for employees under 46 years old.

It can be seen that the level of medical insurance refund in Taiyuan is differentiated by age. For retired employees, the proportion of medical insurance refund is higher than that of on-the-job employees, but the amount of refund is linked to personal endowment insurance, which is really bad for people with poor endowment insurance ability.

Let's take a look at Taiyuan's per capita endowment insurance. According to Shanxi's statistics, there will be 29 1. 1 10,000 social security retirees in 2020, and the pension fund expenditure will be1383 billion RMB, so the corresponding average pension insurance premium will be 3,959 RMB.

According to the new standard, retired workers in Taiyuan will get an average medical insurance refund, which can reach 3959*5%= 198 yuan, which cannot exceed that in 300 yuan. However, for people with high endowment insurance technology, such as the staff of administrative organs and institutions, if the endowment insurance can reach 6,000 yuan, then the medical insurance refund can be 300 yuan.

And what is the average social wage in Taiyuan? According to the statistics of Shanxi Statistics Bureau, in 2020, the average annual salary of employees in non-private units in Taiyuan is 8654 1 yuan, and the corresponding average monthly income is 72 12 yuan. According to the standard, medical insurance for Taiyuan employees should be refunded, with an average of at least 72 1 1*2.8%=202 yuan. It is not difficult to see that although the retired employees in Taiyuan have a high proportion of medical insurance refunds, the amount may not be comparable to that of existing employees.

Let's take Shanxi's per capita endowment insurance as an example. The average medical insurance rebate of retired workers in Jincheng is 3959*3.8%= 150 yuan, which is not up to 300 yuan. Let's take a look at the average wage of social development in Jincheng. According to the data, in 2020, the average annual income of employees in non-private enterprises in Jincheng is 7 1796 yuan, and the corresponding average monthly salary is 5983 yuan.

The rebate of medical insurance shopping for Jincheng employees can reach 5983 yuan *3.8%=227 yuan. According to the new standard in the future, the rebate for medical insurance shopping will be 5983*2%= 120 yuan. In that case, the medical insurance shopping rebate for retired employees in Jincheng is not very high compared with employees. Naturally, the pension insurance technology is high, and the medical insurance refund will be more.

Finally, it should be noted that there are still some differences between civil servants and retired employees in terms of medical insurance transfer. Because they will have medical insurance subsidies, they will not only have personal medical insurance accounts, but also have a subsidized medical insurance account. For example, according to Datong's notice on adjusting civil servants' medical treatment, civil servants' personal accounts will be subsidized at 1% of their employees' salary (including one month's bonus salary), so civil servants' medical insurance treatment should be better.

Generally speaking, it is difficult for Shanxi retirees to surpass 300 yuan's medical insurance shopping rebate. Unless the personal pension level is below 6,000 yuan, employees' personal medical insurance accounts will be adjusted, and the proportion of medical insurance rebate for on-the-job employees will be adjusted to 2%, which is likely to exceed that of on-the-job employees. In addition, because civil servants can enjoy additional medical insurance subsidies, the overall medical insurance benefits will be relatively more.