The meaning of medical insurance pooling fund:
1, the medical insurance pooling fund refers to the medical insurance premiums paid by all employers for employees in a pooling area, excluding the rest after being included in personal accounts;
2, the medical insurance fund belongs to all the insured, centralized management by social insurance institutions, unified adjustment, mainly used to pay medical expenses, surgery fees, nursing fees, basic inspection fees, etc. ;
3, the medical insurance fund to implement special storage, earmarking, no unit or individual may misappropriate.
The function of medical insurance is:
1 is conducive to improving labor productivity and promoting the development of production;
Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves the worries of workers, makes them work with peace of mind, can improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor;
2. Adjust the income gap and reflect social equity;
Medical insurance is an important means for the government to redistribute income by collecting medical insurance premiums and paying medical insurance service fees.
3. An important guarantee for maintaining social stability;
Medical insurance helps sick workers economically, helps to eliminate social instability caused by diseases, and is an important social mechanism to adjust social relations and social contradictions;
4. An important means to promote social civilization and progress;
The social system of medical insurance and social mutual assistance embodies a new social relationship of "one party is in trouble and all parties support" by the insured sharing the risk of disease costs, which is conducive to promoting social civilization and progress;
5. An important guarantee for promoting economic system reform, especially the reform of state-owned enterprises.
I hope the above content can help you. Please consult a professional lawyer if you have any other questions.
Legal basis: Decree No.735 of the Regulations on the Supervision and Administration of the Use of Medical Insurance Funds in People's Republic of China (PRC) Article 8 The use of medical insurance funds shall conform to the payment scope stipulated by the state. The scope of medical insurance fund payment shall be formulated by the administrative department of medical insurance in the State Council according to law. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government shall, in accordance with the authority and procedures prescribed by the state, supplement the specific items and standards paid by the medical security fund within their respective administrative areas, and report them to the administrative department of medical security of the State Council for the record.