Medical insurance pooling refers to the remaining portion of the medical insurance premiums paid by all employers in a certain pooling area for their employees after deducting them and transferring them to personal accounts. The medical insurance overall fund belongs to all insured persons, is centrally managed by social insurance agencies, and is uniformly allocated and used. It is mainly used to pay medical expenses, surgical expenses, nursing expenses, basic examination fees, etc. incurred by insured employees. The medical insurance pooling fund shall be stored and used exclusively for special purposes, and shall not be misappropriated by any unit or individual. Fund raising includes: the remainder after deducting the total payment of all insured units in the coordinating area and crediting it to individual accounts; financial subsidies; social donations: bank interest; late payment fees, etc.
The medical insurance pooling fund belongs to all insured persons and is stored and used exclusively for special purposes. No unit or individual may misappropriate it. The overall fund is mainly used for medical expenses such as hospitalization of insured persons, emergency rescue in non-designated hospitals, off-site referral (hospital), off-site placement, and special disease outpatient services. Medical insurance overall management consists of individual accounts and overall accounts. The overall fund payment is to use the funds from the overall account to pay the relevant medical expenses of the insured. Account payment means using your medical insurance card to make purchases at pharmacies or outpatient clinics.