Medical insurance co-ordination refers to the remaining portion of the medical insurance premiums paid by all employers in a certain co-ordination area for their employees after deducting them and transferring them to personal accounts, including financial subsidies, social donations, bank interest, late payment fees and other additional income.

The medical insurance overall fund belongs to all insured persons, is centrally managed by social insurance agencies, and is uniformly allocated and used. It is mainly used to pay for medical expenses, surgical expenses, nursing expenses, basic examination fees, etc. incurred by insured employees.

The medical insurance pooling fund shall be stored and used exclusively for special purposes, and shall not be misappropriated by any unit or individual.

The medical insurance pool is equivalent to the social insurance fund, which is used to reimburse medical expenses.

Raising and disbursing are the two keys to ensuring the safe and normal operation of the fund. Raising is the basis for the operation of the medical security system. Only when the required funds are raised in full and on time can the normal operation of the system be guaranteed. The proportion of funds raised is based on the local

It is based on the level of living and medical consumption, and future development trends must also be taken into consideration. Therefore, when determining the level of coordination, careful investigation and analysis must be carried out to achieve accuracy and appropriateness.

Under normal circumstances, the financing level should be slightly higher than the level of medical consumption, achieving a slight surplus.

If there are errors or poor analysis in the investigation and analysis, or if future medical cost trends cannot be accurately predicted, and the financing level is lower than the predetermined medical consumption level, there may be a risk of overdraft in the operation of the fund.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 64 Social insurance funds include basic pension insurance funds, basic medical insurance funds, work-related injury insurance funds, unemployment insurance funds and maternity insurance funds.

Except for the basic medical insurance fund and the maternity insurance fund, which are jointly established and accounted for, other social insurance funds are accounted for and accounted for separately according to the types of social insurance insurance.

Social insurance funds implement the unified national accounting system.

Social insurance funds are earmarked for exclusive use and may not be misappropriated or misappropriated by any organization or individual.

Basic pension insurance funds will gradually implement national pooling, and other social insurance funds will gradually implement provincial level pooling. The specific time and steps will be stipulated by the State Council.