How often are health accounts transferred

Health accounts are transferred on a monthly basis at a rate of 16.67 yuan/month (200 yuan/year). At the time of the annual carry-over of the health insurance, the actual balance of funds accumulated in the individual account exceeding 3,000 yuan will be transferred to the health account.

The health account in the health insurance refers to the health comprehensive sub-account, that is to say, it is a fund account set up by transferring part of the actual balance of the funds in the individual medical account of the insured person for the purpose of comprehensive protection of health among him/her, his/her parents, children and spouse.

The health account balance is also the amount of money left in this fund account.

I. Difference between personal account and health account:

1. The accounts and balances of personal account and health account are different;

2. Personal account can only be used when registering at hospital outpatient clinics or handling hospitalization, while the health account can be used by residents when they buy medicines in pharmacies, which is a different scope of use;

3. Personal account can only be used by hospitals, while the health account can be used by residents when buying medicines in pharmacies. The personal account can only be used in hospitals, while the health account can be used in hospitals in emergencies, which is more flexible;

4. The amount of money paid out under the personal account varies according to the region, but the amount under the personal account is often higher.

The above two points are the differences between individual accounts and health accounts.

The collection method of social security:

1. A certain percentage of the insured person's monthly salary is collected, which takes into account the insured person's financial ability and allows the insured person to maintain a minimum standard of living when he/she is incapacitated by an accident. But this collection method also has shortcomings, the proportion of the collection will make the insurance linked to wages, so that capital began to crowd out labor, making the unemployment rate increase;

2, does not take into account the income of the insured person, a certain amount of monthly collection of insurance premiums, this collection method of calculation is simple, the implementation of a more convenient, but did not take into account the economic affordability of low-income residents.

Three, medical insurance settlement procedures

(a) hospitalization and outpatient treatment of special diseases settlement procedures

Designated medical institutions in the previous month before the 10th day of each month, will be discharged last month's patient's fee statement, hospitalization statement and related information reported to the medical insurance agency, the medical insurance agency audit, as a monthly pre-settlement and the end of the year the final accounting basis. The medical insurance agency makes monthly advance payments of the previous month's coordinated fees for hospitalization and outpatient treatment of special diseases.

Participants who are recognized as suffering from special diseases should go to one of the designated medical institutions designated by the labor security department for medical treatment and purchase of medicines, and the medical expenses incurred will be recorded directly in the accounts and settled instantly.

(2) Emergency Settlement Procedures

Participants who are hospitalized in non-designated medical institutions in the city or in other medical institutions due to emergency medical treatment shall first pay the medical expenses incurred by themselves or their units in advance, and then, after the emergency medical treatment is over, they shall apply for reimbursement with the hospital's emergency medical records, examination and laboratory report forms, invoices, and detailed lists of medical fees and charges, etc., in accordance with the regulations of the medical insurance agencies.

Legal basis:

Methods for the Administration of the Individual Accounts of the Basic Medical Insurance for Urban Workers in Ningbo City

Article 3: The basic medical insurance shall be administered by the municipal medical insurance agency (hereinafter referred to as the agency) in accordance with the provisions of the Basic Medical Insurance Individual Account (hereinafter referred to as the Individual Account). (hereinafter referred to as individual account). Individual accounts are not established for those who participate in hospitalization medical insurance.

Article 4 The funds in the individual account shall consist of the funds credited in the current year (hereinafter referred to as the current year account) and the balance of funds in previous years (hereinafter referred to as the previous year account). The current year account refers to the personal account funds that are expected to be credited or retroactively credited in the current year according to the regulations, and the calendar year account refers to the personal account funds that have accumulated a balance over the years.