How to calculate the money in the medical insurance card

Medical insurance for employees is charged at 8% of individual salary, of which 2% is paid by individuals and 6% by units. The money on the medical insurance card consists of two parts:

1. In-service: over 45 years old.

1, 2% paid by the individual is credited to the personal account.

2. Withdraw 1.4% from the company's 8% and transfer it to personal account. It's 3.4% of the monthly salary.

Second, under the age of 45

1, 2% paid by the individual is credited to the personal account.

2. Transfer 1.2% from the company's 8% to the personal account, which is 3.2% of the monthly salary. Retirees do not pay fees. The monthly salary is 3.9%.

How to use medical insurance card in hospital

1. When a person with a medical insurance card sees a doctor in a designated hospital, he can use the medical insurance card to swipe his card directly on the POS machine, and pay the medical treatment fee and medicine fee without hospitalization. Pay attention to the window designated by medical insurance, and the medical insurance card cannot be used for cash withdrawal or transfer.

2. If a medical insurance patient is hospitalized in a designated medical insurance hospital, he can issue a medical insurance card, so that the unified medical insurance settlement system can read the information of the insured person and handle the hospitalization number. At the time of discharge settlement, the medical insurance system will not accept your "reimbursement" part, that is, it has already been reimbursed. The specific reimbursement ratio varies from place to place. Generally speaking, according to the actual amount of expenditure, for example, the reimbursement rate for spending 10 thousand is about 55%-65%.

3. In general medical insurance designated pharmacies, you can pay directly by credit card when you buy medicine. But make sure there is enough money in the medical insurance card. If it's not enough, make up the money yourself.

legal ground

People's Republic of China (PRC) social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity. Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.