Interpretation of the new regulations of the National Medical Insurance Bureau： Do not cancel the personal accounts of employees’ basic medical insurance.

　　Cctv newsRecently, the Notice of the National Health Insurance Bureau and the Ministry of Finance on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2019 proposed that "the implementation of individual (family) accounts should be cancelled before the end of 2020, and a smooth transition should be made to outpatient clinics".

　　Today, the National Medical Insurance Bureau said that the document mentioned "cancellation before the end of 2020" refers to the cancellation of "personal (family) accounts for basic medical insurance for urban and rural residents", not to the cancellation of "personal accounts for basic medical insurance for employees".

　　Regionally, since 2011, most areas have cancelled individual (family) accounts of residents’ medical insurance through outpatient co-ordination, and only a few areas have not cancelled individual (family) accounts of residents’ medical insurance. This requirement in this paper is aimed at this part of the region.

　　The policy of personal accounts for employees’ basic medical insurance has a clear national system. The basic medical insurance fund for employees consists of overall funds and individual accounts. The sources of personal accounts include the contributions of employees’ medical insurance insured persons and insured units, which are mainly used to protect minor illnesses in outpatient clinics and pay the medical expenses borne by individuals after enjoying the reimbursement treatment of the overall fund. The principal and interest of an individual account are owned by the individual and can be carried forward and inherited. (CCTV reporter Zhang Ping Li Bin)