How much medical insurance do you pay to your personal account every month?

The monthly payment of personal account of medical insurance is as follows:

If you participate in employee social security, then you have a personal medical insurance account. Whether you are working or retired, a sum of money will be returned to your personal medical insurance account every month for daily expenses such as seeing a doctor and taking medicine. In terms of the amount returned, taking employees as an example, except for the medical insurance expenses paid by individuals, the payment ratio is about 2% every month, and this money will be returned to the personal medical insurance account, and part of the money paid by the company will also be credited to the personal account.

Individual medical account funds are transferred to individual medical accounts on time every year or every month, but it is not clear how to allocate them. The relevant person in charge of the Municipal Social Security Center said that all the basic medical insurance premiums paid by employees are included in the personal medical account; The basic medical insurance premium paid by the employer is included in the personal medical account according to the following age groups: 20% of the employer's payment for those under 35 years old; Those over 35 years old and under 50 years old will be counted as 30%; Over 50 years old, according to 40%; Retirees are transferred to personal medical accounts according to their own pensions or 8% of the total pensions of the previous year.

In case of dismissal, resignation, retirement, death, etc. The insured, the employer shall, within 30 days, go through the formalities of change at the local tax department, and re-check the amount of basic medical insurance premiums to be paid.

On-the-job personnel distribution standard is:

Under the age of 35, the basic medical insurance premium * 36%; 35-50 years old, basic medical insurance premium * 44%; Above 50 years old, the basic medical insurance premium *52%. For example, employees under the age of 35, the medical insurance payment base is 3000 yuan, and the payment ratio is 10%. The total annual medical insurance payment is 3600 yuan, 36%, and the fund 1.296 yuan.

To sum up, retirees are credited with 8% of their pensions or total pensions in the previous year. For example, the total pension of a retiree in the previous year was 1.8 million yuan, of which 8% was included in the medical insurance account, and the fund was 1.44 million yuan.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance.

The insurance system guarantees citizens' right to get material help from the state and society in accordance with the law in old age, illness, work injury, unemployment and childbirth.

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Article 28

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