How to calculate the money in the social security card?

Every month, there will be a sum of money in the social security card, which is used to buy medicine and see a doctor. However, some people carefully observe that the amount of money in the social security card is different every month, sometimes more and sometimes less. So, how is the money in the social security card calculated? Look at the information I collected.

Social security is managed according to the overall account. 80% of the contributions made by units and individuals go into the overall account, and about 20% of the balance goes into the personal account, that is, the part that goes into your own account every month. For how to use this money, you can enjoy certain discounts, such as free registration fee, when you go to a pharmacy to buy medicine and show your medical insurance card in hospital.

Social security card account transfer standards vary from place to place, taking Qingdao as an example:

Personal account is a special medical insurance account set up by social insurance agencies for insured employees, which is used to record and store personal account funds.

Personal accounts are used to pay the medical expenses that should be borne by individuals according to the provisions of social medical insurance for themselves or their families in designated medical institutions, as well as the expenses that the designated retail pharmacies meet the requirements, and can also be used to pay the supplementary medical insurance premiums purchased by social insurance agencies through consultation.

If the insured has to apply for a refund of social insurance premiums due to repeated payment and other reasons, the amount that has been included in the personal account during the refund period shall be reduced. If it cannot be offset due to the termination of the insurance relationship, the insured must return the amount that should be offset to the social insurance agency.

The personal account funds for resettling retirees and long-term expatriates in different places shall be transferred to my social security card financial account in accordance with the regulations after my application is examined and confirmed by the social insurance agency, or transferred to my designated bank settlement account with the approval of the social insurance agency.

Foreigners, Hong Kong, Macao and Taiwan personnel who died, settled abroad or left the country after the termination of the social security relationship can apply for a one-time payment of personal account balance by the insured unit (or management unit) with relevant materials.

The medical insurance premium paid by the insured in accordance with the regulations shall be withheld and remitted by the social insurance agency from the insured's personal account every month.

relevant issues

Q: A 36-year-old employee is an employee of a provincial enterprise, and his unit did not participate in supplementary medical insurance. The employee's salary last year was 7000 yuan per month. How much money should I have in my social security card every month?

Experts' answers from the Social Security Bureau: According to the Notice of Lu Renshe Fa [2012] No.52 on Relevant Issues Concerning the Participation of Provincial Organs and Institutions in the Basic Medical Insurance for Employees; Provisions on individual accounts of medical insurance.

(1) All the basic medical insurance premiums paid by employees are credited to personal accounts.

(2) The basic medical insurance premium paid by the employer shall be included in the personal account according to different ages (employees over 35 years old and under 45 years old shall be included in 70 yuan every month; )。

(3) In addition, it is stipulated in Lu Ren She Zi [20 13]No. 170 that the average payment salary of employees on the job is 20 1 180 yuan, that is, the average monthly payment salary of employees on the job is 4,265 yuan. Therefore, your monthly payment base is within the range of 150%-200% of the average paid employees.

Then, according to Lu Renshe Fa [20 10] No.23: Since June 20 10, if the monthly payment base of employees exceeds the average payment salary of employees in units directly under the provincial government 150% to 200%, the funds transferred to personal accounts will increase by10 yuan per person per month.

So your monthly social security card transfer amount is 7000*2%+70+ 10=220 yuan.