I believe that many people know that they can receive a pension after participating in pension insurance to retire, and often people ignore participating in the basic medical insurance for employees, and they can enjoy retirement medical insurance treatment after retirement. Retirement medical insurance benefits not only include hospital reimbursement, but also often include retirement medical insurance personal account benefits. How much will the medical insurance personal account rebate for retirees in 2024? Let's find out together.
When the state first established the basic medical insurance for employees, it also established a medical insurance personal account system. The personal account of medical insurance is mainly used to deal with people's outpatient treatment. In 2021, the state promoted the reform of the outpatient mutual aid mechanism of employee medical insurance, and established a reimbursement system for employee medical insurance outpatient clinics. In this case, the role of the medical insurance personal account is weaker. Therefore, the mechanism for the transfer of medical insurance personal accounts originally formulated by various localities is gradually unified.
At present, the mechanism for crediting medical insurance personal accounts implemented in various places is:
The personal account of the in-service employee only returns 2% of the payment base, and if there are deduction mechanisms such as serious illness medical treatment and long-term care in the local area, it may be less.
Retired employees shall be determined in accordance with the local implementation of the outpatient mutual aid mechanism of employee medical insurance, which is about 2% of the monthly per capita pension of retirees in the previous year.
Up to now, the standards have been basically unified in various places. For example, in Beijing, it is 100 yuan per month for those under 70 years old, and 110 yuan for those over 70 years old. However, it is necessary to deduct three yuan per month for critical illness insurance, so it will be 97 yuan and 107 yuan per month. Shandong Province is 100 yuan for those under 70 years old and 125 yuan for those over 70 years old. In Tianjin, it is only 40 yuan for those under 70 years old, and 50 yuan for those over 70 years old. In Shanghai, it is 1,680 yuan (year) for those under 75 years old, and 1,890 yuan (year) for those over 75 years old.
Jiangxi Province is relatively low, only 77 yuan per month. There are also many provinces that are not unified across the province, such as Guangzhou City, Guangdong Province, which is 169 per month08 yuan, 251 yuan in Shenzhen. It is 120 yuan per month for provincial units in Gansu Province and 100 yuan for Xi'an City, Shaanxi Province. Yichang City in Hubei Province and Huangshan City in Anhui Province both earn 70 yuan per month. Due to the low level of pension and social average salary in Henan Province, the amount of money allocated to the month is not high, from 52 yuan in Jiyuan City to 95 yuan per month in Zhengzhou City. In Liaoning Province, it is 60 yuan to 80 yuan.
First, the return of personal accounts has nothing to do with the number of years of payment. The return of personal accounts is not the same as the accumulation of pension insurance contributions, the longer the payment time, the higher the pension treatment. It doesn't matter if you get a refund or reimbursement for your personal medical insurance account. Like retired employees, as long as they can enjoy the treatment of retirement medical insurance personal accounts, the amount of money returned for 15 years, 20 years, 30 years, and 40 years is the same.
Second, the return of personal accounts has nothing to do with the payment of the unit. Some people may think that if the unit payment base is high, will the amount of money returned from the personal account be higher? In fact, the part paid by the unit is all included in the overall account to form medical insurance**, which should mainly be used for eligible reimbursement (including the medical insurance personal account of retirees). No matter how high the unit payment base and the amount of payment money are, it has nothing to do with the individual.
Third, the number of retirees returning from personal accounts has not increased. For retirees, in the past, the rebate of medical insurance personal accounts in many places was linked to their own pension or social average salary, social average pension, etc. However, after the implementation of the outpatient mutual aid mechanism and the unified standard for the amount of money in the retirement medical insurance personal account, it will not be adjusted in the future.
In general, the future retirement medical insurance system will be more inclined to equal treatment for all, which shows that the state has sufficient confidence in the collection of social insurance premiums, and the incentives for high payment base and long payment period will be reflected in the pension insurance. How much is the rebate in the retiree's medical insurance personal account? #