The latest interpretation of the family of personal accounts of medical insurance is coming!

At the end of December 2021, the General Office of the Municipal People's Government issued the "Implementation Measures on Implementing the Implementation System for the Inspection of the Basic Medical Insurance Clinic" (Jinzheng Office [2021] No. 16). Personal accounts can be used between relatives. Who has a personal account of employee medical insurance? What is the personal account standard? How to realize family support? Is the family faction a common medical insurance card? Answer you one by one for hot issues.

Which people participating in the insurance have a personal account?

At present, in -service personnel and retirees who are involved in insurance in accordance with the unity binding model (10%of the unit payment ratio and 2%of the personal payment ratio) have established personal accounts. In accordance with the major illnesses (8%of the payment ratio) and the residents' medical insurance insured persons do not establish a personal account.

Standards for allocation of employee medical insurance personal accounts

Personal accounts of employees are divided into different allocation standards according to different people. Among them, the employees are 2%of the payment base for their own insurance, that is, the total amount of the basic medical insurance paid by the individual is all included in the personal account of medical insurance. Retired personnel are less than 40 yuan per month, 480 yuan per month; 50 yuan per month at the age of 70, 600 yuan throughout the year; old workers who participated in revolutionary work before the founding of the People's Republic of China were 60 yuan per month, 720 yuan throughout the year. For example, Xiao Zhang ’s monthly medical insurance payment base is 5,000 yuan, and the monthly personal account bookkeeping is 100 yuan (5,000 yuan × 2%); Uncle Li is 65 years old, and he has retired and no longer pays employee medical insurance premiums. , 480 yuan throughout the year.

Scope of use of personal accounts for employees?

Since July 1, 2022, employees' medical insurance insurers can use their own relatives (spouses, parents, children) through the binding of their own relatives (spouses, parents, children), and can use the balance of personal accounts for medical insurance to pay for the medical institutions at the designated medical institution, or retail at a fixed -point retail. Pharmacy purchases the personal burden of drugs, medical devices, and medical consumables. In the future, personal payment of residents' medical insurance and long -term protection will be paid to achieve family affairs.

How to open a personal account of employee medical insurance?

Participants can go to various district medical insurance points centers to handle on -site, and can also be handled by online self -service. The following three ways to handle the following three methods:

The first is to pay attention to the WeChat public account of the "Tianjin Medical Security Fund Management Center", and select "Jin Yantong" in the "Economic Executive Channel" column;

The second is to log in to Tianjin Medical Insurance Public Service Platform. There are also platform entrances on the WeChat public account of "Tianjin Medical Security Fund Management Center" ("Out of Channel" - "Network Hall"), which is convenient for you to log in to operation;

The third is to download the "Golden Medical Bao" app.

You can adopt the above method to open a medical insurance personal account aimination function. There is no time limit for processing time limit. After the release function is opened, you can also adjust and change the user at any time through the above channels.

Can't employee medical insurance account be cash out?

Since January 1, 2022, the employee's personal account will no longer implement capital injection management. Personal account funds are no longer entering the bank card, but instead recorded in my personal account account for medical treatment. That is, there will be no bank cards to account records on the 28th of each month. Historically, the personal account funds that have entered my bank card can continue to be used for use. Personal account funds that do not enter the bank card are only replaced by the use, which will not reduce or reduce damage, and effectively protect the medical insurance rights and interests of participants.

Before January 2022, due to bank cards "unsuitable" and other reasons, the unsuccessful account funds issued will still be issued normally after bank card activation.

Is the Family Family Family Family Family Insurance Card of the Personal Account of Workers' Medical Insurance?

No, the employee medical insurance personal account is not a "shared social insurance card" or "the shared clinic reimbursement amount". Participants have to use their social security cards to see a doctor. After applying for the help of the airspace, the cumulative funds in the personal account can be used among family members. Please be careful not to use or stole the social security cards of family members or others to see a doctor to avoid being investigated for the legal responsibility for constituting fraud!

Source: Tianjin Daily Review: Wang Shaoyun

Editor: Wang An material sorting: Shi Jiaojiao, Xu Xiaowei

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