Sources of funds for the whole fund:
(a) the basic medical insurance premium paid by the employer shall be included in the overall fund;
Transitional basic medical insurance for retirees is included in the overall fund;
(3) Coordinating the interest income of the fund;
(4) late fees charged according to regulations;
⑤ Government funding;
⑥ Other lawful income.
Extended data:
It is an important principle that the basic medical insurance combines social pooling with individual accounts. There are four specific provisions for the establishment and use of pooling funds and personal accounts: First, the establishment of pooling funds and personal accounts. Personal contributions are all included in personal accounts; About 30% of the unit payment is included in the personal account, and the rest is set up as a whole fund. The principal and interest of an individual account are owned by the individual and can be carried forward and inherited. Second, pooling funds and individual accounts should be clearly divided and managed separately. Personal accounts are mainly used for minor illness or outpatient expenses, and pooling funds are mainly used for serious illness or hospitalization expenses.
The purpose is to clarify their respective responsibilities, to avoid the overall fund overdraft personal accounts, and to facilitate management. The third is to formulate the minimum payment standard and maximum payment limit of the overall fund. Qifubiaozhun is controlled in principle at about 10% of the average annual salary of local employees, and the maximum payment limit is controlled in principle at about 4 times of the average annual salary of local employees. Medical expenses below Qifubiaozhun shall be paid by personal account or borne by individuals. Medical expenses above Qifubiaozhun and below the maximum payment limit are mainly paid from the overall fund, and individuals also have to bear a certain proportion.
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