Analysis can be made according to the following conditions
1. There are two accounts for medical insurance, one is an individual account and the other is a pooling account. The medical insurance expenses paid by the unit and the insured employees are divided into two accounts according to a certain proportion;
2. When eligible medical insurance is reimbursed, the money in the personal account will be deducted from the self-funded part, and the money in the overall account will be deducted from the reimbursable part. The funds come from the medical insurance pooling fund.
The money in the medical insurance card pooling account can only be used when the insured has an accident within the scope of medical insurance reimbursement and applies to the medical insurance department for reimbursement. If hospitals pay daily fees and pharmacies buy medicines, they can only use the personal account balance of the medical insurance card, and the money in the overall account cannot be used, let alone taken out. Medical insurance policies vary from place to place. In the actual medical insurance reimbursement, there will be restrictions such as deductible and reimbursement ratio, and not all expenses will be reimbursed by medical insurance. Medical insurance co-ordination refers to the medical insurance co-ordination area, which deducts the rest from the medical insurance premium paid by the employer after the employee is insured.
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