The overall fund is to put the fees paid by all units into a public fund, and then pay the funds from this overall fund to the insured who need to enjoy the treatment. For those contributions that are not recorded in the account, they need to enter the overall fund. The overall fund of each type of insurance is managed separately, which means that each type of insurance has its own overall fund.

The overall fund does not refer to the money in the medical insurance card. Not all types of medical insurance money will be transferred to the insured's social security card. There are two kinds of medical insurance accounts, one is the overall fund account and the other is the individual account. Generally speaking, employees' medical insurance consists of two types of accounts, while residents' medical insurance only has a pool fund account and no personal account.

The remaining part of the total payment of all insured units in the overall planning area is deducted from the personal account; Financial subsidies; Social donation; Bank interest; Late payment fees, etc. The medical insurance pooling fund belongs to the insured, which is stored in a special account and earmarked, and 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, referral from different places (hospitals), resettlement in different places, and special disease clinics.

Qifubiaozhun of the overall fund: based on the average salary of employees in the previous year, it is calculated for each hospitalization. On-the-job employees: 4% of the third-class hospitals; 6% for secondary hospitals; Tertiary hospital 10%. Retirees account for 70% of employees.

legal ground

Article 28 of the Social Insurance Law conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.