In Fujian Quanzhou, if the social security base is 16,200 yuan, the amount in the medical insurance card each month is calculated as follows: The contribution rate for employees is 2% of their monthly salary. So, for an employee with a salary of 16,200 yuan, the amount contributed by the individual to the medical insurance each month is 16,200 × 2% = 324 yuan.
- Employee Contribution Portion
- As mentioned above, employees in Quanzhou contribute 2% of their monthly salary to the medical insurance. This is a fixed percentage set by the local regulations. For example, if an employee's salary is within the normal range for calculating medical insurance contributions (not exceeding the upper limit or being lower than the lower limit of the contribution base regulations), this percentage is directly applied. In this case, with a salary of 16,200 yuan, the 2% calculation gives the amount that the employee personally pays into the medical insurance fund, which is then part of the funds that go towards the amount in the medical insurance card.
- Employer Contribution and Its Impact on the Card Amount (Indirectly)
- Employers in Quanzhou contribute 7.5% of their employees' monthly salary to the medical insurance. Although the employer - contributed amount does not directly add to the balance in the employee's medical insurance card in the form of cash, it plays a crucial role in the overall medical insurance system. The employer - paid funds are mainly used for the overall operation of the medical insurance pool, such as covering the costs of medical treatments for insured employees during hospitalization and other major medical expenses. A well - funded medical insurance pool ensures the stability and sustainability of the medical insurance system, which in turn provides better medical security for employees. This stable system is the foundation for employees to enjoy medical insurance benefits, including the normal operation of the medical insurance card for reimbursement and other functions.
- Overall Medical Insurance System and Card Function
- The medical insurance card in Quanzhou, with the funds accumulated from employee contributions (in this case, 324 yuan per month for a 16,200 - yuan salary) and the support of the overall medical insurance system funded by both employees and employers, serves multiple functions. It can be used for purchasing medicines at designated pharmacies, paying for outpatient medical expenses within the scope of medical insurance reimbursement, etc. The amount in the card can be accumulated month - by - month, and employees can use it according to their actual medical needs.
In conclusion, if the social security base in Quanzhou is 16,200 yuan, the amount contributed by the individual to the medical insurance card each month is 324 yuan. This amount, along with the overall medical insurance system operation, ensures that employees can enjoy relevant medical insurance benefits through the medical insurance card.
