On the question of whether the medical insurance for urban employees will not return money to the individual medical insurance card from 2020, it is necessary to analyze in detail from the perspective of the development of China's medical insurance system and policy adjustment.
First of all, China's medical insurance system has been committed to ensuring the basic medical needs of the broad masses of people. As an important part of it, medical insurance for urban workers provides necessary medical security for the majority of in-service and retired workers. In the early days of the establishment of the medical insurance system, in order to better mobilize the enthusiasm of employees to participate in medical insurance, there is indeed a practice of transferring a certain proportion of medical insurance contributions to personal accounts, and this part of the funds is mainly used to pay for the medical expenses of the insured themselves, including outpatient and hospitalization expenses.
However, with the continuous development and improvement of the medical insurance system and the rising level of medical expenses, the original personal account refund model can no longer fully adapt to the new situation in some aspects. To this end, the national and local levels continue to adjust the medical insurance policy, aiming to better balance the relationship between individual accounts and overall planning, optimize the efficiency of medical insurance, and ensure the long-term stable operation of the medical insurance system.
Starting from 2020, some regions have adjusted the refund policy for employees' medical insurance personal accounts in accordance with the spirit of relevant national documents. This adjustment is not implemented uniformly across the country, but by each city according to the actual situation and ability to pay for its own medical insurance, as well as the needs of local economic and social development, differentiated reform.
Specific to the adjustment of the refund policy, it is mainly manifested in the following aspects:
1.Adjust the crediting ratio of personal accounts. Some cities have begun to implement new crediting methods, such as the proportion of personal accounts of in-service employees has been changed from the previous joint accounting of unit contributions and individual contributions to a certain proportion of only individual contributions. This percentage may vary from city to city, but is usually around 2%, but the exact percentage needs to be determined according to local policies.
2.Improvements to the way personal accounts are transferred. For retirees, the way in which personal accounts are transferred has also been reformed, from the original proportional transfer to the fixed amount. This amount is usually determined as a percentage of the local average pension for the previous year to ensure that the basic medical needs of retirees are met.
3.Optimize the use of co-ordination**. With the adjustment of the personal account rebate policy, more funds have been allocated to the overall plan** to improve the level of medical security for all insured people, especially to strengthen the protection of patients with major diseases and chronic diseases.
Therefore, it can be said that it is not that from 2020 onwards, all urban employees' medical insurance will no longer return money to personal medical insurance cards, but since then, some cities have adjusted the personal account refund policy according to national guidance and local actual conditions. These adjustments are aimed at better balancing individual and collective interests, improving the overall efficiency of the use of health insurance**, and ensuring the sustainable development of the health insurance system.
For the insured, no matter how the refund policy of the personal account is adjusted, it should not affect their right to enjoy medical insurance benefits. Both active and retired employees are entitled to reimbursement of medical expenses paid by health insurance** in accordance with the regulations. At the same time, the insured should also pay attention to the policy notice issued by the local social security department to understand the latest refund policy and reimbursement process to ensure that their rights and interests are effectively protected.
In short, the adjustment of the rebate policy of urban employees' medical insurance personal accounts is the embodiment of the continuous optimization and development of the medical insurance system, aiming to better serve the majority of insured people and ensure the efficient, fair and sustainable development of the medical insurance system.