How to calculate the money in the personal medical insurance account?

The calculation part of individual medical insurance account is used to pay medical insurance fund, and the other part is used for individual account. This ratio is stipulated by the state and is currently 10% of the total payment of basic medical insurance.

On-the-job payer: the monthly payment of on-the-job employees aged 35 and below (excluding 35 years old) = my monthly payment base multiplied by 2.3%; 35 years old to 45 years old (excluding 45 years old), the monthly income of employees = my monthly payment base multiplied by 2.7%; On-the-job employees over the age of 45 are counted monthly = my monthly payment base multiplied by 3.4%;

Retirees: Monthly income of retirees = my age multiplied by 1.5 yuan. In addition, 65438+ 10 is deducted from 36 yuan's large medical assistance every year.

The calculation and management of individual medical insurance accounts involve many aspects. First of all, the fund calculation of individual medical insurance account is based on the medical insurance expenses paid by individuals and relevant policies and regulations. Under normal circumstances, the sources of funds for individual medical insurance accounts include individual contributions, unit contributions and government subsidies. Secondly, the management of funds mainly includes the monitoring of account balance, restrictions on the use of funds and the process of reimbursement. Individuals can check the account balance through channels such as medical insurance card, network platform or social security bureau.

To sum up: how to calculate the personal account money of medical insurance card is relatively simple, mainly based on the medical insurance expenses paid by individuals. Personal account can be used to pay part of medical expenses, but the amount is limited, so it cannot be withdrawn and has a validity period. You need to pay attention to some usage methods and precautions.

Legal basis:

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

Article 25

The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies.