Shenzhen medical insurance is credited to personal account.

The basic medical insurance fund in Item 1 of Article 10 of the Measures of Shenzhen Municipality on Social Medical Insurance is divided into individual accounts and basic medical insurance pooling funds.

Social insurance agencies to establish personal accounts for insured workers, personal accounts included in the standard for:

1. The personal accounts of employees are included in a certain proportion of their total wages: employees under 45 are included in 3% of their total wages, and employees over 45 are included in 4% of their total wages. Among them, the basic medical insurance premiums paid by employees are all included in personal accounts, and the insufficient part is included in the basic medical insurance premiums paid by employers.

2. Retirees' personal accounts are included in the age limit. Individual accounts of model workers retired by enterprises are increased separately in the quota standard, and the specific standards are determined by the municipal social insurance administrative department in conjunction with the financial department and reported to the Municipal People's government for approval.

3 individual accounts in disabled soldiers are included in the quota, and the specific standards are determined by the municipal social insurance administrative department in conjunction with the financial department and reported to the Municipal People's government for approval.