The difference between social security pooling account and individual account

1. Personal account: used for outpatient and emergency medical expenses; The cost of purchasing drugs at designated retail pharmacies; Medical expenses below the Qifubiaozhun of the basic medical insurance pooling fund; Medical expenses that exceed the qifubiaozhun of the basic medical insurance pooling fund and should be borne by individuals in proportion.

2. Overall account: hospitalization expenses; Emergency rescue observation and income hospitalization, medical expenses within 7 days before hospitalization observation; Outpatient medical expenses of taking anti-rejection drugs after radiotherapy and chemotherapy, renal dialysis and renal transplantation for malignant tumors.

The social security paid is divided into two parts:-a small part is paid into personal accounts, and most of them belong to the overall fund.

The overall fund basically has nothing to do with itself. Generally speaking, it is the part of the money allocated by the state as a whole to support the retired old people and give them.

Reimbursed the medical insurance expenses.

The individual part is his own, and the pension personal account part affects the retirement salary.

In the future, the pension calculation and payment method is basic pension+personal account pension.

The total amount in the personal pension account divided by the number of months is the monthly personal account pension plus the basic pension, which is the retirement salary.

Old-age pension is related to the social wage, payment period and payment base in the year of retirement.

Overall planning is relative to personal accounts.

Let's talk about old-age insurance first: if a company belongs to a public institution, it needs to pay 20% of the total wages of its employees to enter the social old-age insurance system.

Raise funds. Individuals deposit 8% of their monthly income into their personal accounts. If it is an individual merchant, it is necessary to pay 12% of the employee I fund into the social pension fund.

Kim. Individuals deposit 8% of their monthly income into their personal accounts. Flexible employees shall pay 20% of the average monthly salary of the local society, of which 1.2% shall enter the overall planning.

8% to individuals.

Post-retirement pension: pay annuity+personal account as a whole/120, but only care about the amount of money in personal account. Haven't you handed in the coordinating part?

The more, the more, according to the social average treatment, value preservation.

Pension insurance payment ratio: 20% for the unit and 8% for the individual, with different proportions in different places. Proportion of medical insurance payment: unit 10%, individual 2%.

Unemployment insurance payment ratio: unit 1.5%, individual 0.5%, and industrial injury insurance determines its industrial injury rate and health according to the industrial scope divided by the unit.

Payment ratio of education insurance: 0.8% for the unit, and no payment for the individual.

The overall and personal meaning of social security has been clearly answered above, and the payment of social security also needs to be paid on time, which is very important in today's society.

With the rapid development, it is an inevitable choice to apply for social security, including endowment insurance and medical insurance, and now there are companies.

It's convenient to help pay social security.

Legal basis: Regulations of People's Republic of China (PRC) Municipality on Basic Medical Insurance for Urban Workers.

Article 3 The basic medical insurance fund for urban workers shall be established, and the system of combining individual medical accounts with basic medical co-ordination fund payment shall be implemented.

The ownership of personal accounts belongs to individuals. The ownership of the overall fund belongs to all personnel participating in the basic medical insurance.

Twenty-eighth personal accounts are used to pay medical expenses beyond the scope of the overall fund; If the personal account is insufficient to pay, it shall be borne by me.

Twenty-ninth serious illness hospitalization medical expenses, according to the following methods to pay:

(a) Qifubiaozhun in principle control in the city, county, autonomous county last year, the average social wage of workers 9%-0%.

(two) the maximum payment limit is controlled in principle at 3-5 times of the average social wage of employees in cities, counties and autonomous counties in the previous year.

(three) medical expenses above the minimum deductible and below the maximum payment limit are mainly paid by the overall fund, and individuals bear a certain proportion. Give appropriate care to the proportion of retirees who bear medical expenses.

The scope of serious diseases, the specific standards of Qifubiaozhun and the maximum payment limit, and the proportion of sharing medical expenses above Qifubiaozhun and below the maximum payment limit shall be determined by the provincial people's government.

Please click to enter the picture description (maximum 18 words).