The reasons for the general medical insurance card with more than 30,000 monthly amounts are:
1. The base for paying social insurance is high;
2. The grade of social security payment is 100%;
3. The actual payment period is relatively long;
Fourth, be in good health and rarely use medical insurance cards.
Unit classification:
1. Well-known private companies, such as Huawei, Tencent, ByteDance, Alibaba Group, Baidu, JD.com, Jinghu, Sohu, Sina, etc.;
2. Government departments;
3. Public institution preparation units;
4. State monopoly industry units, such as tobacco, electricity, water, etc.;
5. Large central enterprises;
VI. General Enterprise;
7. Large private enterprises.
Wait a minute.
Groups who are generally healthy, have stable work, have a long actual payment period, and rarely use medical insurance cards can also reach a medical insurance card balance of more than 30,000 yuan.
I am just a retiree, when I was in office, I experienced state-owned enterprises, foreign enterprises, private enterprises and other units, and paid 100% of social security
My medical insurance card spent more than 10,000 yuan on dental repairs, more than 7,000 yuan for two not too serious diseases, my daughter-in-law spent more than 8,000 yuan to see a dentist, and spent more than 1,000 yuan on supplements, and now the balance of the medical insurance card is more than 5,000 yuan.
Therefore, the balance of medical insurance cards can reach more than 30,000 yuan, which is very large.
However, the medical insurance card can always save more than 30,000 yuan, and there are not many such groups!
Off-topic:
No matter how much balance the health insurance card has, the main thing is physical health.
I hardly take medicine, I don't drip.
Good health leads to a good quality of life.
Under normal circumstances, most people's medical insurance card balance is only a few thousand yuan, more is only one or twenty thousand yuan, the real can reach more than 30,000 yuan should be relatively small, after all, the balance in the medical insurance card can be seen by everyone, basically belong to their own control.
Under normal circumstances, the balance in the medical insurance card is the part of individual payment, and at present, according to the medical insurance payment ratio, the unit pays about 6%, the individual pays 2%, if a person's payment base is about 4500 yuan, then a month of personal medical insurance payment is about 90 yuan, a year is 1080 yuan.
If there is no local policy of transferring the unit contribution part to the personal account, it takes at least 27 years to accumulate a medical insurance balance of 30,000 yuan completely by individual payment, and this premise is that during this 27 years, you cannot use the social security card to swipe other expenses, and you must keep it unchanged.
It can be seen that for ordinary employees, it is relatively difficult to save up a medical insurance balance of 30,000 yuan.
Of course, no matter how difficult it is, it is not a matter for those units with better salaries and benefits, especially for civil servants or those high-quality state-owned enterprises, the balance of 30,000 yuan in medical insurance cards is a normal thing.
Let's take Shenzhen as an example, the current maximum payment base of Shenzhen medical insurance is 27927, and individuals pay 2%, then a month is 558 yuan, a year is 6696 yuan.
In addition, according to the relevant policies of Shenzhen Medical Insurance, the basic medical insurance premiums paid by the employer are transferred to the individual medical account according to the following age groups:
Under the age of 35, 20% of the employer's contribution will be charged; Those over 35 years old and under 50 years old are classified as 30%; Those over 50 years old are classified as 40%; Retirees are transferred to the individual medical account at the rate of 8% of their pension or pension for the previous year.
At present, the Shenzhen medical insurance unit payment ratio is 5.2%, if a person according to the highest payment base of 27927 yuan calculation, then the unit monthly payment is 1452 yuan, if a person is 38 years old, then the unit medical insurance payment part will be 30% into the personal account, equivalent to 435 yuan of unit payment per month into the personal account.
After being synthesized, if a person's medical insurance pays according to the highest and highest payment base, then the monthly income will reach about 993 yuan, and a year is 11916 yuan, so that it only takes three years, and the balance of the personal medical insurance account will reach more than 30,000 yuan.
It can be seen that for those high-quality units, it is not difficult for the balance of personal medical insurance accounts to reach more than 30,000 yuan, but in reality, there are very few people who can really reach this number, and the payment base of most units will not be so high.
Especially for enterprise units, although there are many enterprises in Shenzhen whose salary level is relatively high, such as more than 10,000 yuan a month, but many enterprises' social security and medical insurance payment bases are paid according to the lowest level, so the amount of personal account receipts every month is not very large, so most people's medical insurance balances cannot reach more than 30,000 yuan.
Even if some people's medical insurance payment base is relatively high, every month the income is relatively large, but the real 30,000 yuan left on the medical insurance balance, I think there are not too many, many people in the medical insurance balance is more, are more inclined to buy a variety of things, even if not taken to the hospital brush, will also be taken to the pharmacy to buy a variety of health products or other drugs.
Therefore, in reality, there are very few people whose medical insurance card balances can really reach more than 30,000 yuan.
From the actual situation, the balance of personal medical insurance can reach more than 30,000 yuan mainly for civil servants, public institutions or some high-quality state-owned enterprises, such as employees of tobacco, electricity, gas and other departments, or employees of some banks and other financial institutions.
For ordinary enterprise employees, it is relatively difficult for personal medical insurance to reach more than 30,000 yuan, unless everyone has saved more than ten years and has no use for a penny, then it is very likely that the medical insurance balance will reach more than 30,000 yuan.