What is the meaning of individual account and integrated account of medical insurance card?

1. Individual account: medical expenses for outpatient and emergency treatment; expenses for purchasing medicines at designated retail pharmacies; medical expenses below the starting standard of the basic medical insurance coordinating fund; medical expenses exceeding the starting standard of the basic medical insurance coordinating fund, which should be borne by the individual according to the proportion.

2. Co-ordinated account: medical expenses for inpatient treatment; medical expenses within 7 days of hospitalization for those who are hospitalized for emergency rescue and hospitalization; outpatient medical expenses for radiotherapy and chemotherapy for malignant tumors, renal dialysis, and anti-rejection drugs after kidney transplantation.

The social security contributions are divided into two parts: - a small part goes to the personal account, - the majority belongs to the general fund.

The general fund basically has nothing to do with yourself, to put it plainly, the state takes the money from the general fund part of the money to support the retired senior citizens and reimburse them for their

health insurance premiums.

The personal part is their own, the personal account part of the pension affects the retirement salary.

Future pension calculation method is basic pension + personal account pension.

The total amount in the personal pension account divided by the number of months of payment is the monthly personal account pension plus the basic pension is the retired salary, the basic pension

Pension and the retirement year of the social wage, the number of years of contributions and the contribution base.

The coordinator is relative to the individual account.

Pension insurance to explain it: the company if it is a matter of enterprise units, you need to pay 20% of the total salary of employees into the social pension insurance

The fund. Individuals pay 8% of their monthly income into a personal account. If you are a self-employed businessman, you need to pay 12% of the employee's salary into the social pension fund

Fund. Individuals pay 8% of their monthly income into a personal account. Flexible employment, they pay 20% of the average monthly salary of the local community, of which 1 2% into the coordinated,

8% into the individual.

Retirement pension: pay the annuity co-ordination + personal account / 120, but only care about the amount of money in the personal account. Coordinated part is not ever paid

More on the more, that is dealt with by the social average, and is the value of the preservation.

Pension insurance contribution rate: 20% for the unit, 8% for the individual, varying from place to place. Medical insurance contribution rate: 10% per unit, 2% per individual.

Unemployment insurance contribution rate: 1.5% for the unit, 0.5% for the individual, work injury insurance according to the unit is divided into the scope of the industry to determine the rate of injury, health

Education insurance contribution rate: 0.8% for the unit, the individual does not pay.

What is the meaning of social security co-ordination and individual in the above has been a very clear answer, social security. The first thing you need to do is to pay on time, and in today's society

development speed is getting faster and faster, the social security has become an inevitable choice, social security, including pension insurance and medical insurance, and now there are companies

help to pay for the social security is very convenient.

Legal basis: "The Chinese People's Republic of China **** and the State of urban workers basic medical insurance regulations"

Article 3 to establish the basic medical insurance fund for urban workers, the implementation of individual medical account and the basic medical fund to pay the combination of the system.

The ownership of individual accounts belongs to individuals. The ownership of the integrated fund belongs to all those who participate in basic medical insurance.

Article 28: Individual accounts shall be used to pay for medical expenses outside the scope of payment by the integrated fund; any shortfall in payment from the individual account shall be borne by the individual.

Article 29 The medical fees for hospitalization for serious diseases shall be paid as follows:

(1) The starting standard shall be controlled in principle at 9%-11% of the average annual social wage of the employees in cities, counties and autonomous counties in the previous year.

(b) The maximum payment limit is in principle controlled at 3-5 times of the average annual social wage of employees in cities, counties and autonomous counties in the previous year.

(3) Medical fees above the starting standard and below the maximum payment limit are mainly paid by the integrated fund, with a certain percentage borne by individuals. The proportion of medical expenses borne by retirees is appropriately taken care of.

The scope of serious diseases, the specific criteria for the starting standard and the maximum payment limit, and the proportion of medical fees above the starting standard and below the maximum payment limit shall be determined by the provincial people's government.