How to deduct medical insurance mutual assistance?

The deduction of medical insurance mutual aid account mainly includes two parts: personal account deduction and pooling fund deduction.

1. Deduct from personal account: outpatient expenses incurred in medical institutions designated by medical insurance shall be deducted from personal account at a rate of 50%; The expenses incurred in purchasing medicines at retail pharmacies designated by medical insurance shall be deducted from personal accounts at the rate of 20%.

2. Deduct from the overall fund: The hospitalization expenses incurred in the designated medical institutions of medical insurance shall be deducted from the overall fund at a rate of 60%. If it is difficult to deduct from the overall fund, it can be paid by the fund in the medical insurance mutual aid account.

Mutual payment means that the family mutual fund can pay the medical expenses incurred by mutual members after medical insurance reimbursement in designated hospitals or pharmacies, excluding out-of-pocket expenses. Personal account family mutual aid use refers to the surplus funds of employee medical insurance personal account over the years, which is limited to the employee's own use and can be used by spouse, parents, children and other family members.

Warm reminder:

1. The family mutual fund belongs to the founder of the family mutual network and belongs to the employee medical insurance personal account fund. Carry-over, inheritance, transfer and supervision shall be carried out in accordance with the relevant provisions of the basic medical insurance for employees in this Municipality. Freemasons who use family mutual funds in violation of regulations shall bear corresponding legal responsibilities.

2. After the family helps each other, the insured person still uses his social security card (medical insurance card) for medical treatment or medicine purchase, and enjoys his medical insurance benefits.

3, the use of family mutual funds to pay the cost, not included in the city's medical insurance policy, residents' serious illness insurance, medical assistance and other burden reduction scope.