What do you mean by employee health insurance funding?

The proportion of medical insurance allocation is stipulated by the local government's Measures for the Administration of Basic Medical Insurance for Employees.

The money refunded by the social security card is the personal payment part of your medical insurance, and the total amount of the unit payment part is transferred to the personal account of medical insurance according to state regulations. Taking Beijing as an example, it is stipulated that the medical insurance premium paid by the employer shall be transferred to the personal account as follows:

Employees under the age of 35 are credited to personal accounts at 0.8% of their monthly salary base;

(2) Employees over the age of 35 and under the age of 45 shall be transferred to personal accounts at 1% of their monthly salary base;

(three) employees over the age of 45, according to my monthly salary base of 2% included in the personal account;

(four) retirees under the age of 70, according to 4.3% of the average monthly salary of employees in this city in the previous year, into personal accounts;

(5) Retirees over the age of 70 shall be transferred into personal accounts according to 4.8% of the average monthly salary of employees in this Municipality in the previous year.

Therefore, how much money you pay in the social security card every month is related to your personal medical insurance payment amount, medical insurance payment base and personal age, and it is not directly related to the total amount of social security you pay every month, nor will it be calculated by the total amount of social security you pay every month. Please calculate according to the above tips and salary base. The national definition of medical insurance account transfer amount is like this. The transfer amount in the personal account table of medical insurance is the amount that medical insurance transfers to personal account every month. When a unit or individual pays medical insurance every month, the basic medical insurance premium paid by the individual shall be included in the personal account. The amount included in the personal account is the amount allocated by the medical insurance account, and the funds in the medical insurance personal account are owned by the individual.

What is the amount of medical insurance transferred to personal account every month?

The monthly amount of medical insurance transferred to personal account is determined according to the total salary, and all the personal part is transferred to the account, and the part paid by the unit under 45 is transferred according to 1% of my payment base.

Taking Zhengzhou as an example, according to Article 23 of the Measures of Zhengzhou Municipality on Basic Medical Insurance for Employees, the medical insurance premiums paid by individual employees are fully included in personal accounts, and some medical insurance premiums paid by employers are included in personal accounts in different proportions:

(a) under the age of 45, according to my payment base1%;

(2) Those who have not retired (retired) at the age of 45 will be counted as 2% of their base pay;

(three) retired (retired) personnel according to my basic pension included 4.5%.

The rest is used as an overall fund, which is managed and paid by social insurance institutions.

Legal basis: Article 1 of the State Council's Decision on Establishing the Basic Medical Insurance System for Urban Workers, the source of funds for individual accounts is a part of the basic medical insurance fund, not a savings fund; The funds in the account can only be used for personal medical expenses, which is a special account; Account funds belong to individuals, and the system allows carry-over and family inheritance.