With the end of the reform of the medical insurance outpatient mutual aid system, retirees have begun to pay attention to the return of medical insurance personal accounts. Medical insurance, the leading assistant behind the pension, is gradually becoming more and more important.
So, for those retirees who have 30 years of service and receive a monthly pension of 5,000 yuan, can their monthly medical insurance rebate reach 220 yuan?
In the days before the medical insurance reform, there were various ways to return medical insurance in various places. In some places, the pension of retirees is used as the benchmark, while in others the average social wage is favored. The rebate ratio is even more varied, as high as 7% of the area is not uncommon, so that some retirees have a monthly medical insurance rebate of up to four or five hundred yuan.
However, with the implementation of the medical insurance outpatient mutual aid system, the rebate scene has begun to change. Nowadays, in most areas, the average pension of the local population is 2% or 25% to calculate the rebate amount. Under such a new standard, the amount of monthly medical insurance rebates has been reduced as a whole, and it has become less easy to easily reach 100 yuan.
Taking Chongqing as an example, under the new standard, the maximum monthly transfer of medical insurance personal accounts is 115 yuan, which is like a drizzle. In the past, the standard was calculated based on 4% of the average social wage, which was more generous. Taking 2022 as an example, the average social salary is close to 7,000 yuan, and the monthly medical insurance rebate is as high as about 280 yuan, which also exceeds the expectation of 220 yuan.
In Shandong, starting this year, the new standard for medical insurance rebates has been officially implemented. Retirees under the age of 70 will be allocated 100 yuan per month, as if caressed by a spring breeze; Seniors over the age of 70 receive a monthly reward of $125.
In the past, Shandong used to use the pension ratio as the benchmark for returns, such as 4% in Jinan and 4% in Qingdao5%, so that many retirees can enjoy the benefits brought by medical insurance. In this context, a retiree with a pension of 5,000 yuan may have a monthly medical insurance return of as high as 225 yuan, far exceeding the expectation of 220 yuan.
Of course, compared with Shandong and Chongqing, the amount of medical insurance rebates in some places seems relatively simple. For example, 70 yuan in Anhui, 77 yuan in Jiangxi and 90 yuan in Heilongjiang.
However, there are still some areas that adhere to the old standard of medical insurance rebates. Wuxi, Jiangsu Province is one of the best. For retirees of enterprises and institutions, Wuxi will return the pension ratio of 4% and 7% respectively.
In addition, Shenzhen, a modern metropolis, although it is rebated according to the new standard, the amount of money allocated is still considerable, as high as 251 yuan per month.
In addition to the monthly pension, retirees are also looking forward to the arrival of health care rebates. However, the changes of the times have brought about the adjustment of medical insurance policies, and many regions have updated the standards of medical insurance rebates.
Nowadays, most places choose to pay 2% or 2% of the local per capita pension5% is used as a benchmark for retirees to be allocated to health insurance funds, a change that makes the amount of an individual's pension independent of the amount of rebates. Under such a new standard, it is often difficult for the monthly medical insurance rebate amount to break through the 100 yuan mark.
Imagine that those retirees with a pension of 5,000 yuan may not be able to reach the level of 220 yuan per month in Hebei, Anhui, Shandong and other areas that have successfully completed the medical insurance reform.
However, in places like Wuxi or Shenzhen in Jiangsu Province, the health insurance rebate policy remains generous to retirees, who can still expect to receive more than 220 yuan a month.