I paid my social security on time, and my medical insurance account is out of money. Why?

"I paid social security on time, why didn't I get points in my medical insurance account?"

Under normal circumstances, after paying medical insurance, the medical insurance bureau will cash back a certain percentage of personal accounts every month.

For this problem of netizens, here is a brief analysis of the reasons.

First, I only paid endowment insurance, but I didn't pay medical insurance.

Many people will default social security to endowment insurance, thinking that paying endowment insurance is equivalent to paying social security!

Obviously, there will be no medical insurance account if you only pay endowment insurance and don't pay medical insurance! Cash back of medical insurance account is out of the question!

This cognitive bias mainly appears in some flexible employees. The local government allows pension insurance and medical insurance to be paid separately. When I only paid the old-age insurance, I mistakenly thought that I paid social security and medical insurance!

Therefore, only the old-age pension is not paid, and there is no medical insurance personal account to cash back!

Second, low-grade medical insurance does not establish personal accounts.

Many regions have set two payment standards for medical insurance payment of flexible employees: the low-grade payment ratio is about 4%, and the high-grade payment ratio is about 8%.

If employees choose to pay low-grade medical insurance, no personal medical insurance account will be established, and about 4% paid by individuals will all enter the overall account!

Therefore, if employees choose low-grade medical insurance payment, there is no medical insurance personal account to cash back!

Third, policy differences have not yet returned.

Some local policies require flexible employees to pay medical insurance for half a year before they can establish personal accounts for medical insurance and enjoy the cash back treatment of medical insurance!

There are also regions that require flexible employees to pay medical insurance, and they can only establish personal accounts for medical insurance after retirement!

Therefore, regional policy differences may also lead to the lack of money in medical insurance personal accounts!

Four. Medical insurance for urban and rural residents

China's medical insurance system is divided into medical insurance for urban and rural residents and medical insurance for urban workers!

Medical insurance for urban and rural residents, low payment, praised by many people!

When workers choose medical insurance for urban and rural residents, there is no personal account, so there is no problem of personal account cashback.

However, the annual reimbursement rate of medical insurance for urban and rural residents is generally around 200 yuan.