How to pay back the money in the medical insurance card?

As we all know, the medical insurance premiums paid by employees are included in personal accounts, and the medical insurance premiums paid by the unit are divided into two parts, one part is used to establish a pool fund, and the other part is included in personal accounts to pay my medical expenses.

1. How much is the medical insurance card refunded every month?

The composition of the money in the medical insurance card: 2%+3 paid by the individual every month, plus 0.8% of the company account is transferred to the personal account, and the amount received by the personal account every month is 3% for those under 45 years old and 4% for those over 45 years old (including 45 years old).

But how much is the medical insurance card returned every month? The proportion of return varies slightly from place to place, depending on local policies. The annual amount is calculated by multiplying the monthly amount by 12.

Second, the use of medical insurance cards

1. Scope of use of medical insurance card: When insured employees buy medicines in designated hospitals and pharmacies, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money.

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

3. Inquiry of medical insurance card transaction: Insured employees can print medical insurance card transaction records, including personal account payment records and consumption records, at China Bank Savings Office with their ID cards and medical insurance requirements. 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: The insured employees can change their passwords by phone or bring their ID cards to the Bank of China 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. Custody of medical insurance card: Insured employees should keep the medical insurance card properly. If they 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 formalities. After 7 days, they can get a new card.

6. Precautions: When the number of medical insurance card transactions reaches 60, the insured employees must go to China Bank Savings Office to print the transaction records, otherwise they will stop using the card. After the transaction record is printed, the card can continue to be used.

In the pharmacy 100% will bear it by itself, and hospitalization can only enjoy the reimbursement ratio (which must be within the scope of medical insurance).

If the hospitalization is within the scope of medical insurance, the scope of reimbursement is between 55% and 65% according to the actual amount of expenses incurred, such as 10000 yuan.

How much money is deducted from the medical insurance card every month is related to your personal medical insurance payment amount, medical insurance payment base and personal age, and has no direct relationship with the total social security you pay every month. The amount returned to your medical insurance card will not be calculated by the total social security paid every month.