It refers to the remaining portion of the medical insurance premiums paid by all employers in a certain coordinated area for their employees after deducting and transferring them to personal accounts.

The overall planning fund includes: the remainder after deducting the total payment of all insured units in the overall planning area and recording it into 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 transfer (hospital), off-site placement, special disease outpatient services, etc.