Employee medical insurance personal account transfer ratio

Employees less than 35 years of age are allocated to their individual accounts at 0.8% of their monthly contributory wage base; employees over 35 years of age and less than 45 years of age are allocated to their individual accounts at 1% of their monthly contributory wage base; employees over 45 years of age are allocated to their individual accounts at 2% of their monthly contributory wage base; retirees less than 70 years of age are allocated to their individual accounts at 4.3% of the average monthly wage of city employees for the preceding year; retirees over 70 years of age are allocated to their individual accounts at 4.8% of the average monthly wage of city employees for the preceding year Transfer to the personal account, retirees over 70 years of age, according to the previous year the average monthly salary of municipal employees 4.8% transferred to the personal account.

There are two types of basic social medical insurance, basic medical insurance for urban workers and medical insurance for urban and rural residents. The former has a personal account and there is talk of returning money, while the latter has no personal account and there is no talk of returning money. Because of the low percentage of flexible employment personnel to pay only part of the cost of the co-ordinated account, do not pay part of the cost of the individual account, so there will be no money back. The urban and rural residents' medical insurance pays the integrated fee on an annual basis, and the contribution standard is low, and there is no individual account, so there will be no money back. Rights and obligations are equal. Regarding the specific provisions of the basic medical insurance for urban and rural workers to return money, such as the standard of returning money and the way of returning money, it varies from place to place, and in practice, it is the local policy that is implemented. Where to say where the words. The reason why the return of this money, the original intention of the state is to solve the problem of small illnesses of participants to buy drugs, or pay for outpatient clinic did not reach the starting line of part of the medical costs. The general rule is to distinguish between active employees or retirees, different status, different criteria or rules for returning money. The standard of money back for active employees is generally not lower than the amount of individual contributions, the difference lies in the amount of money allocated by the integrated part. Secondly, it is linked to the age of the insured person, different age return money standard or rule is also different, the older the age of the active employees, the more money back. Retirement. Retirees generally get less money back, with a slight increase for senior retirees.

Medical insurance query method:

1, social security center query: if you are not clear about your social security account number, you can bring your ID card to the business hall of the social insurance agency in each district to inquire.

2, the Internet query: log on to the city's labor security network or social insurance business website, click on the "personal social security information query" window, enter your ID card and password (password is your social security card number or ID card month and year of birth), you can query the information of my participation.

3, telephone consultation: call the labor security integrated service telephone "12333" for policy consultation and information inquiry.

4, touch-screen query: each district social insurance agency business hall if there is a social insurance touch-screen query system, swipe your card or enter your card number or ID number according to the screen prompts to query

Legal basis: "The Chinese People's Republic of China and the State Social Insurance Law"

Article 26: The standard of entitlement for basic medical insurance for employees, new type of rural cooperative medical care and urban residents' basic medical insurance shall be determined by the following standards. basic medical insurance for urban residents shall be carried out in accordance with the provisions of the State.

Article 29 The part of the medical expenses of insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance administration organization and the medical institutions and drug business units.

The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.