In Xiamen, Fujian, with a social security base of 11,900 yuan, the amount in the medical insurance card each month can be calculated as follows: The total contribution rate for medical insurance is the sum of the employer's contribution rate and the employee's contribution rate. From July to December 2024, the employer's contribution rate is 6.5%, and the employee's contribution rate is 2%.
- Employee's contribution amount:
- The employee's contribution to medical insurance is calculated as a percentage of the social security base.
- The employee's monthly contribution = Social security base × Employee's contribution rate.
- Given a social security base of 11,900 yuan and an employee's contribution rate of 2%, the employee's monthly contribution = 11900×2% = 11900×0.02 = 238 yuan. This part of the money is directly deducted from the employee's salary and is part of the funds flowing into the medical insurance system.
- Employer's contribution amount:
- The employer's contribution to medical insurance is also calculated based on the social security base.
- The employer's monthly contribution = Social security base × Employer's contribution rate.
- With a social security base of 11,900 yuan and an employer's contribution rate of 6.5%, the employer's monthly contribution = 11900×6.5% = 11900×0.065 = 773.5 yuan.
- Amount in the medical insurance card:
- The amount in the medical insurance card each month mainly comes from the employee's contribution and a certain proportion of the employer's contribution (in some cases, part of the employer's contribution is also allocated to the individual account). In Xiamen, the employee's contribution of 238 yuan is directly related to the individual account. And usually, part of the employer's contribution may also be allocated to the individual account, but the specific proportion of the employer's contribution allocated to the individual account may vary according to local policies. Assuming that in Xiamen, for the part of the employer's contribution related to the individual account allocation, if it is 0.5% of the social security base (this is an assumed proportion for illustration, and the actual situation needs to refer to local regulations), the amount from the employer's contribution allocated to the individual account = 11900×0.5% = 11900×0.005 = 59.5 yuan.
- Then the total amount in the medical insurance card each month = Employee's contribution + Part of the employer's contribution allocated to the individual account = 238 + 59.5 = 297.5 yuan.
It should be noted that the actual amount in the medical insurance card is subject to the specific policies and regulations of Xiamen's medical insurance department. Different policies regarding the allocation of employer - contributed funds to individual accounts may lead to different results. It is recommended to consult the local medical insurance department or relevant social security service windows for the most accurate information.