Sihai network

What are the differences in the treatment of national medical insurance? How much can retirees get f

The payment and treatment of medical insurance in all parts of our country are managed by all regions themselves, and there is no unified regulation and management in our country, so there are differences in the treatment and payment amount in all regions. So what are the differences in the treatment of medical insurance? How much money can retirees get every month?

According to the social insurance law, retirees who participate in the endowment insurance of employees can continue to enjoy the treatment of basic medical insurance without paying fees after retirement if the payment period of medical insurance after reaching the retirement age meets the requirements of local policies.

You should know that the medical insurance in all parts of our country is the overall planning of all parts of the country, and has not realized the unified management of the whole country. In the situation of each region fighting for its own sake, it is inevitable that the level of insurance payment and treatment varies greatly. The disunity in different regions is as follows:

The retirement years of medical insurance in different regions are not uniform. The retirement years of medical insurance in Guangzhou and Shanghai are the same as the minimum years of endowment insurance. Hangzhou and Shenzhen are 20 years old. In Beijing, Qingdao and Yantai, the medical insurance payment period for female comrades is 20 years and for male comrades is 25 years. Rizhao City, Langfang city and Nanchang city are 25 years for female comrades and 30 years for male comrades.

In addition, many regions require that the actual payment period be 10 or more years before retirement. In fact, people who are not welcome to transfer their pension insurance relationship to local areas for retirement and enjoy medical insurance treatment when they are close to retirement are not welcome. The main reason is that these people didn't pay much for the local medical insurance, and finally enjoyed the medical insurance reimbursement treatment and personal account. Because of the transfer of medical insurance around the country, it does not transfer the actual amount of money in the pooling account, but only transfer the payment period, so the transfer has a lot of pressure on the local medical insurance fund.

The level of medical reimbursement is not uniform. The basic medical insurance limit in Qingdao is 200000 yuan, while that in Nanchang is only 60000 yuan. According to the length of payment period, the reimbursement amount that Shenzhen can enjoy is not the same. The maximum amount of reimbursement can be 6 times of the average wage of on-the-job employees in the previous year after paying fees in the local area for more than 72 months. According to the average monthly wage of 8348 yuan in 2017, the reimbursement amount in 2018 can reach 601000 yuan.

Although the reimbursement proportion within the scope of medical reimbursement is different, it can maintain 90% up and down. The reimbursement amount of Nanchang city is low, but the reimbursement proportion of the first level hospital is as high as 98%.

In addition to the reimbursement ratio, there is a starting line. The starting line in Qingdao is 200 yuan, 500 yuan and 800 yuan. Shenzhen only has 100 yuan, 200 yuan, 300 yuan, 400 yuan and 1000 yuan. Nanchang is 300 yuan, 500 yuan and 700 yuan. Beijing's top three class A hospitals are up to 1300 yuan.

The management of personal accounts is not uniform. Medical insurance personal account can only be used to buy medicine, but it is still equivalent to a second pension. Beijing can apply for withdrawal of medical insurance passbook. Tianjin can be divided into 30% and 70% respectively, which can be deposited into individual account and financial account of medical insurance card, and the financial account can be withdrawn.

Shijiazhuang city transfers 6% of his monthly basic pension into his personal account, while Qingdao city transfers 4.5%. However, Qingdao has a minimum of 80 yuan under the age of 70 and a minimum of 90 yuan over the age of 70. In Beijing, the quota for under-70s is 97 yuan, and the quota for over-70s is 107 yuan.

Shanghai is a one-time fee transferred into one year in April every year. In 2018, the amount of medical insurance account for the elderly under 74 years old is 1680 yuan, and for the elderly over 75 years old is 1890 yuan.

The treatment of individual account of medical insurance card in Shenzhen is the highest in China, which is transferred into individual account according to 60% of the social average base in that year and 8.05% of the total. In 2018, the social average payment base in Shenzhen was 8348 yuan, which was transferred in according to this proportion, equivalent to more than 4800 yuan of personal account in one year, about 400 yuan per month.

There are retirees in the medical insurance of urban and rural residents, whose situation is totally different from that of the medical insurance of employees. Still need to pay a medical insurance every year, and also do not have individual account, reimbursement level is also low.

However, its biggest advantage is the low level of payment. It can be said that many people pay a month's medical insurance, which covers the annual cost of residents' medical insurance. In 2019, the minimum payment for residents' medical insurance in Qingdao was 355 yuan a year, while in 2018, the minimum payment for employees' medical insurance was 344 yuan a month.

It is true that there are great differences in the treatment of medical insurance in different regions, but I hope that with the establishment of the National Medical Security Bureau, we can establish a unified national medical security fund and policy.