What is the proportion of employee medical insurance returning to personal accounts every month?

First, the proportion of employee medical insurance return

1. The personal account consists of two parts, one part is withheld by the individual, accounting for 2% of the monthly salary base, and all of it goes into the personal account;

2. The other part is paid by enterprises, and the proportion of people of different ages entering personal accounts is different. Part of the basic medical insurance premium paid by the employer is transferred to the personal account: employees under 35 years old are transferred to the personal account according to 0.8% of their monthly salary base; Employees over 35 years old and under 45 years old will be transferred to personal accounts according to 1% of their monthly salary base; Employees over the age of 45 are included in personal accounts according to 2% of their monthly salary base; Retirees under 70 years old are credited to personal accounts according to 4.3% of the average monthly salary of employees in this city in the previous year, and retirees over 70 years old are credited to personal accounts according to 4.8% of the average monthly salary of employees in this city in the previous year.

Second, the medical insurance query method

1, social security center query

If you don't know your social security account number, you can bring your ID card to the business hall of social insurance agencies in various districts to inquire.

2. Online inspection

Log in to the city's labor security network or social insurance business website, click the "Personal Social Security Information Inquiry" window, and enter my ID card and password (the password is your social security number or the date of birth of your ID card) to inquire about my insurance information.

3. Telephone consultation

Call the labor and social security comprehensive service telephone number "12333" for policy consultation and information inquiry.

4. Touch screen query

If there is a social insurance touch screen inquiry system in the business hall of social insurance agencies in each district, swipe your card or enter the card number or ID number according to the screen prompts for inquiry.

Insurance reimbursement needs to be submitted to the local medical insurance management center or the medical insurance checkout window of designated medical institutions.

Procedures include: my ID card, medical insurance card, original invoice, drug list, medical record book, list, admission/discharge certificate and other materials.

Medical insurance reimbursement is carried out in proportion, generally floating around 70%. The proportion and amount of reimbursement are related to their own examination and medication, medical level and other factors. For example, it is clear that Class A drugs can enjoy full coverage, Class C drugs need to bear all the costs, and Class B drugs will report 80% and bear 20% of the costs.

Someone spent a total of 9000 yuan on medical expenses, and the reimbursement formula is as follows: (9000-800 deductible-self-paid medicine) *70%. If self-funded drugs account for a large proportion, there is not much amount to be reimbursed.

legal ground

Article 21 of the Regulations of Beijing Municipality on Basic Medical Insurance, the part of the basic medical insurance premium paid by the employer shall be credited to the personal account according to the following standards:

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.

When the standards listed in the preceding paragraph need to be adjusted according to social and economic development and fund revenue and expenditure, the municipal labor and social security administrative department shall, jointly with the municipal finance department, put forward an adjustment plan, which shall be promulgated and implemented after being approved by the Municipal People's government.