Is there a refund in the medical insurance card for flexible employees?

The medical insurance card for flexible employees is not refundable.

It depends on everyone's level of payment. The employee shall pay the medical insurance fee by the unit, the company shall bear about 6%, the individual shall bear 2%, and the part paid by the individual shall be returned to the medical insurance card. Therefore, when flexible employees pay their own medical insurance fees, whether they cash back is related to the payment standard.

Under normal circumstances, choosing to pay 6% is non-refundable, that is, the part that the company bears when the individual pays the unit. If you want to pay back the money to your account every month, you need to pay an extra fee of about 2%.

Therefore, if you want to transfer funds to the social security card every month, then when you pay social security, you should choose to pay the medical insurance expenses of employees according to the high-level medical insurance payment standard. Of course, the higher the payment level you choose, the more medical insurance fees we need to pay every month.

However, the money refunded by the general medical insurance card can only be used for outpatient service and medicine purchase. In most areas, the amount cannot be withdrawn. When you are not sick, the funds can only be put in the account, which is useless. On the contrary, the higher payment ratio brings a burden to the flexible employees with low income. Therefore, it is generally not recommended to pay more for the cash back of medical insurance cards.

To sum up, if the medical insurance is paid according to the low grade, there will be no personal account and no money will be transferred, but if the medical insurance is paid according to the high grade, there will be funds transferred to the personal account. For flexible employees, social security is paid voluntarily, so the insured can choose the payment grade that suits them according to their actual situation.

How to pay medical insurance for flexible employees

Whether paying medical insurance for employees or paying medical insurance for urban and rural residents, you must bring your original ID card to the street or township medical insurance service center where the household registration is located to register the payment account. You can't pay until you register a payment account.

Workers who pay medical insurance for employees can choose to pay monthly or yearly. Generally, the method of bank withholding is adopted, and it is necessary to sign a withholding agreement with the bank to deduct money from the personal bank account on a monthly or annual basis.

Pay medical insurance for urban and rural residents, from September 1 to February 20th 1 every year. They can choose to pay online at the bank designated by the tax department, the service hall of the local tax department or the bank hall. Rural areas can also be collected by village cadres.