From June 5438+ 10, 2024, the basic medical insurance premiums paid by employees will no longer be included in individual accounts, but will be included in the overall fund. Individual accounts of retirees are allocated by the overall fund according to the quota. For retirees under 70 years old, the payment amount will be adjusted to 2% of the average basic pension in the overall planning area in 2023, and for retirees over 70 years old, the payment amount will be adjusted to 2.5% of the average basic pension in the overall planning area in 2023. On-the-job retired employees will be included in personal accounts according to the standards of retirees from the next month. Flexible employees shall enjoy the basic medical insurance benefits for retirees according to the regulations, and the personal account policy shall be implemented with reference to these regulations.
Personal account funds are mainly used to pay the out-of-pocket expenses of the insured within the policy scope of designated medical institutions, which can be used to pay the medical expenses incurred by the insured himself and his spouse, parents and children in designated medical institutions, the expenses incurred by individuals in purchasing medicines, medical devices and medical consumables in designated retail pharmacies, and the personal contributions of spouses, parents and children participating in residents' basic medical insurance, long-term care insurance and government-guided inclusive commercial medical insurance. At the same time, personal accounts shall not be used for public health expenses, physical fitness or health care consumption not covered by basic medical insurance; Cross-regional relations transfer, resettlement in different places, settlement abroad, death, etc. are excluded. It is not allowed to withdraw cash at will or in disguise.
To sum up, Heze City will provide employees with better and more convenient medical insurance services and improve their sense of acquisition and happiness.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.