Medical expenses are paid by the social security pooling fund. Simply put, when people use medical insurance for medical treatment, the reimbursement part is paid by the fund.

The funds in medical insurance can only be used for reimbursement of medical expenses, and the insured shall not withdraw the funds in medical insurance without authorization. The medical insurance fund ensures that China people can enjoy certain reimbursement policies after the occurrence of medical diseases, thus reducing the economic pressure caused by diseases.

Want to fund payment must meet the relevant conditions:

1. See a doctor in a designated hospital. For medical insurance, it is required by the hospital. For example, it must be treated in public secondary hospitals or some township hospitals, and the funds can also be reimbursed.

2. Drugs or articles used are within the scope of reimbursement. When we are in treatment, we often use some drugs, and doctors will also carry out some projects. We must ensure that these are within the scope of the medical insurance catalogue before we can reimburse them. If it is not within this range, there is no way to reimburse it.

Some medical insurance funds are limited, and different regions have different requirements. For example, in some areas, the limit is four times the average monthly salary of local employees. If you don't know how much your regional medical insurance fund can pay at most, I suggest you consult a hospital or social security agency.

In fact, medical insurance and commercial insurance are different, because the reimbursement ratio of medical insurance in each region is different, and commercial insurance is basically diagnosed. After treatment, it can be paid according to the contract. In other words, the restrictions on diseases and hospitals are very small.

Legal basis:

Article 28 of the Social Insurance Law of People's Republic of China (PRC) conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities and emergency and rescue medical expenses standards, and shall be paid from 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.