The proportion of personal accounts transferred back to Weifang medical insurance

What is employee medical insurance personal account, and does resident medical insurance have personal account?

Basic medical insurance is divided into employee medical insurance and resident medical insurance. Medical insurance for employees includes pooling funds and personal accounts, and pooling funds are mainly used for reimbursement of medical expenses such as hospitalization, off-site referral, outpatient chronic diseases and special diseases; Personal accounts are mainly used for employees themselves and their close relatives (including spouses, children and parents of spouses), and can pay for medical treatment in designated medical institutions and the purchase of medicines, medical devices and medical consumables in designated retail pharmacies. There is no personal account for residents' medical insurance, and all the medical insurance expenses paid are included in the overall fund.

02

What are the personal account policies for Weifang employees' medical insurance?

Weifang's current personal account transfer ratio policy is as follows: according to the employee payment base, 3% is under 45 years old and 4% is over 45 years old. In addition, employees deduct long-term care insurance premiums from 4 yuan; According to the pension paid by retirees in the same month, 4.5% under 70 years old and 5.5% over 70 years old are included in the personal account of medical insurance.

03

After the insured employees activate the social security card again, the balance of the medical insurance account in the social security card is not found. What is the main reason?

After the social security card is activated, the card number information is first transmitted to the social security card service center of the social security department, then the medical insurance center obtains the card number from the social security card service center, then generates the account funds and transfers them, and finally the bank completes the distribution to the account. Therefore, after the social security card of the insured employee is activated, it is necessary to wait for the medical insurance center to uniformly allocate personal accounts before receiving medical insurance expenses.

04

Due to the failure to update the ID card information of the social security card in time, the medical insurance expenses of the medical insurance account in the social security card cannot be collected. What should I do?

When the medical insurance center handled the issuance of medical personal account funds, it found that many people failed to return them. The reason for the bank's return shows "Customer verification failed, please verify in the employee channel". After contacting the social security card issuing bank, I learned that in order to curb online fraud, the People's Bank of China, the Ministry of Public Security and other four ministries and commissions jointly issued a notice requesting banks to strengthen account management. Therefore, banks have strengthened control over the accounts of the non-real name registration system with the query results of "anonymity, pseudonym and falsehood" such as expired ID cards, and changed from "only accepting and not paying" to "not accepting and not paying" now, resulting in the inability to transfer the social security card accounts with the above problems. In case of the above situation, it is suggested that the insured person bring his valid ID card and social security card to the issuing bank to update the information as soon as possible.

05

Some insured people have already applied for social security cards when paying residents' medical insurance before. Why is there no money in the card after paying employee insurance now?

There are three banks in Weifang that undertake medical insurance personal account business, namely Industrial and Commercial Bank of China, Agricultural Bank of China and China Construction Bank. Other banks' social security cards have not yet opened the employee medical personal account business, and some residents' social security cards are single account cards, which do not meet the requirements of earmarking funds for employee medical personal accounts or do not undertake the employee medical personal account service business. Therefore, it needs to be replaced by an employee social security card to be normally included in the personal account.

06

Some retirees may live abroad with their children for a long time after retirement. How are their personal accounts allocated?

Our social security card has two functions: chip account and bank card account, and personal account is mainly credited to chip account; Some retirees have to take their children to live in other places for a long time before they can apply for the record of "long-term residence in different places" After filing, when we transfer our personal account, it will be included in the bank account of the social security card; If it is not filed, it will still be credited to the chip account, which will not affect the normal use. Therefore, residents who have been in different places for a long time should pay attention to distinguishing these two accounts when inquiring.

◆ Tel: 0536-339 10 15.

◆ Address:No. Shanwang Road 13 10, Linqu County, Weifang City, Shandong Province (200 meters west of the museum)