The sources of funds for employee medical insurance personal accounts are mainly the medical insurance expenses paid by individual employees and part of the medical insurance expenses paid by the unit. The specific proportion depends on the region and medical insurance policy, and the state does not uniformly stipulate the proportion of individual accounts. Generally speaking, all the medical insurance expenses paid by individuals are included in personal accounts, and a certain proportion of the part paid by the unit will be included in personal accounts.
The medical insurance premium of employees shall be paid jointly by the employer and individual employees. Specifically, the basic medical insurance premium paid by the employer is divided into two parts, one part is used to establish the overall fund, and the other part is included in the personal account. The proportion of individual accounts is generally about 30% of the employer's contribution, and the specific proportion may be different according to the region and medical insurance policy. The sources of funds for individual accounts are mainly medical insurance premiums paid by individual employees and part of medical insurance premiums paid by the unit.
To sum up, the proportion of employees' personal medical insurance accounts varies according to different regions and medical insurance policies, and the specific proportion needs to be determined according to local regulations. You can consult the local medical insurance department or social security agency for more detailed information.
Legal basis:
Regulations of People's Republic of China (PRC) Municipality on Basic Medical Insurance for Urban Workers
Article 35
Specific standards such as the rate, amount and payment method of the basic medical insurance premium that employers and employees should pay shall be determined by the people's government of the overall planning area in accordance with the principle of caring for the elderly and elderly and sick employees. Specific standards and measures shall be formulated by the provincial people's government according to the principle of caring for the elderly and sick and elderly workers.