What does it mean to cancel the personal accounts of urban and rural residents in the second half of the year?

The cancellation of individual (family) accounts for urban and rural residents' medical insurance will not reduce residents' medical insurance benefits, but will promote outpatient co-ordination instead. After the implementation of outpatient co-ordination, the medical expenses of minor outpatients can be included in the payment scope of the co-ordination fund, and the medical expenses of common and frequently-occurring outpatients can be reimbursed, accounting for about 50%.

Personal (family) accounts of urban and rural residents' medical insurance are mainly used to pay the medical expenses incurred by the insured's outpatient service. In the initial stage of the establishment of the system, it has played a positive role in cultivating individual awareness of insurance, promoting individual insurance payment and rapidly expanding the scope of insurance. However, there are still some limitations in this method. With the improvement of residents' medical insurance financing standards and the enhancement of guarantee ability, its disadvantages gradually appear in practice.

Compared with the original individual (family) account, the transition and transformation from overall planning of residents' medical insurance outpatient service to overall planning of outpatient service can realize mutual assistance among all insured persons, improve the mutual assistance ability of residents' medical insurance fund, conform to the basic principle of social insurance risk sharing, and help to provide more fair medical insurance treatment for insured persons, which provides a way to solve the above disadvantages.

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Other new changes in social security:

1, the provincial pension increase will be implemented one after another.

Ministry of Human Resources and Social Security announced in April this year that the pension for retirees will increase by 5% in 2020, achieving a "16 continuous increase". However, at present, only Shanghai has released the pension adjustment plan for 2020, and the rest provinces have not yet released it.

Therefore, from the second half of the year, other provinces will release pension adjustment plans one after another. At present, Shandong, Jiangxi and other places have clearly reissued the increased pension before the end of July.

Basic pensions for urban and rural residents will also rise. According to the government work report released on June 1 1, China State Department's opinions on implementing the division of labor among key departments, the minimum standard of basic pension for urban and rural residents will be raised. Ministry of Human Resources and Social Security and the Ministry of Finance took the lead in introducing relevant policies before the end of July.

2. SMEs will continue to be exempted from three social insurance premiums.

Recently, Ministry of Human Resources and Social Security, Ministry of Finance and State Taxation Administration of The People's Republic of China issued the Notice on Extending the Implementation Period of the Policy of Reducing Enterprise Social Insurance Premium by Stages, and all provinces, autonomous regions, municipalities directly under the Central Government and Xinjiang Production and Construction Corps extended the implementation period of the policy of partially exempting small and medium-sized enterprises from the payment of three social insurance units to the end of 65,438+February 2020.

Enterprises with serious difficulties in production and operation affected by the epidemic can continue to postpone the payment of social insurance premiums until the end of February 2020, and the late payment fee will be exempted during the extension period.

Reducing and delaying the payment of social security fees will continue to reduce the social security burden for small and medium-sized enterprises and further help enterprises tide over the difficulties.

3, before the end of the year to achieve the provincial pension insurance.

The above-mentioned notice issued by the three departments also requires that all provincial governments should earnestly assume the main responsibility, accelerate the provincial-level co-ordination of the three social insurances, and ensure the provincial-level unification of the basic endowment insurance funds for enterprise employees by the end of 2020.

Previously, 20 provinces across the country had realized the provincial-level unified collection and expenditure of pension funds. This means that by the end of the year, all provinces will realize the unified collection and expenditure of pension funds at the provincial level.

With the improvement of overall planning level, it is more secure to pay pensions in full and on time. This will not only further enhance the guarantee function of fund insurance in our province, but also lay a good foundation for realizing the national overall planning of endowment insurance.

4. Social security card is used in the whole process of endowment insurance business.

According to the notice issued by the General Office of Ministry of Human Resources and Social Security on 20 19, by the end of 2020, social security cards will be used in the whole process of endowment insurance business, and the application of social security cards in employment services, real-name management of migrant workers and wage distribution will be promoted.

Social security cards are used in the whole process of endowment insurance business, which means that social security cards are also used for pension collection. Recently, Guangzhou and other places issued notices requiring retirees to use social security cards to receive pensions.

China. com-The latest news: In the second half of the year, social security ushered in five reforms, and pensions rose.

China Research Network-Social Security ushered in five major changes in the second half of the year.