How to calculate the refund of medical insurance card

According to the regulations, all the medical insurance premiums paid by employees every month are included in personal accounts; The basic medical insurance premium paid by the unit is divided into two parts, one part is included in the personal account, and the other part is used to establish the overall fund. The amount of cash back is actually related to the base of self-payment. According to the regulations, under the age of 35: 2.8% of the individual contribution base is returned, of which 2% paid by the individual is returned in full, and 0.8% is allocated by the overall fund; If your payment base is 6000 yuan, then the monthly refund amount is 168 yuan. 35 -45 years old: 3% of the individual contribution base will be refunded, of which 2% of the individual contribution will be fully refunded, and the overall fund will allocate1%; If your payment base is 6000 yuan, then the monthly refund amount is 180 yuan. 45 -60 years old: 4% of the individual contribution base will be refunded, of which 2% will be refunded in full and 2% will be allocated from the overall fund. If your payment base is 6000 yuan, then the monthly refund amount is 240 yuan. Over the age of 60, 5% of the average salary of employees on the job will generally be returned.

How much money is put into the medical insurance card every month is not uniform, because the money returned by different ages is different, and it can be calculated according to the base and age of payment. Plans vary from place to place, depending on local conditions. If you want to know how much your medical insurance card costs each month, you can consult your local medical insurance bureau.

Precautions:

1. The medical insurance card is for personal use only, and may not be lent to others for medical treatment;

2. Cash in the account shall not be withdrawn at designated medical institutions or retail pharmacies;

3. If the social security card is lost, it should be reported immediately to avoid being stolen;

4. It is free for the insured to change the password and check the balance in designated medical institutions and retail pharmacies, and charge fees in violation of regulations.

Legal basis:

Article 25 of the Social Insurance Law

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. People who enjoy the minimum living guarantee, disabled people who are unable to work, elderly people over 60 years old and minors from low-income families, etc. Should be subsidized by the government.