The medical insurance pooling fund refers to the medical insurance premiums paid by all employers for employees in an overall planning area, except for the part included in personal accounts. The fund belongs to all the insured persons, and is managed and adjusted by the social insurance agency. Mainly used to pay medical expenses, operation expenses, nursing expenses, basic examination fees, etc. List of insured employees.

The management principle of medical insurance pooling fund is special account storage and earmarking, and no unit or individual may misappropriate it. This means that the fund's funds should be used exclusively to pay the medical expenses of the insured and cannot be used for other purposes. This can ensure that the insured can get timely financial support when they need medical insurance reimbursement, and protect their medical rights and interests.

The sources of medical insurance pooling fund mainly include the contributions of employers and employees. Employers pay medical insurance premiums for employees according to the prescribed proportion, and employees also need to pay medical insurance premiums according to a certain proportion. These payment funds are uniformly included in the medical insurance pooling fund to pay the medical expenses of the insured. Through the rational management and use of the medical insurance pooling fund, the medical treatment of the insured can be better guaranteed and the medical security level can be improved.

Can outpatient medical expenses be paid by medical insurance pooling fund?

According to medical insurance regulations, outpatient expenses are paid by personal accounts. However, considering the high cost of outpatient service for some chronic diseases and the large scale of examination and treatment, it is stipulated that the expenses of special examination and treatment and specific outpatient service items can be paid by the overall fund after application and approval.