The medical insurance unit has paid part to co-ordinate the account.

the basic medical insurance fund is composed of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts. The basic medical insurance premium paid by the employer is divided into two parts, one part is used to establish the overall fund, and the other part is included in the personal account. The proportion of personal accounts is generally about 3% of the employer's contributions, and the specific proportion is determined by the overall planning area according to the payment scope of personal accounts and the age of employees.

medical insurance reimbursement process:

1. Under normal circumstances, when you need to be hospitalized due to illness, you can take your medical insurance card and medical record to your designated hospital and settle the account with your medical insurance card. That is, the self-funded part is paid by itself, and some medical insurance centers and hospitals are reimbursed for settlement;

2. If you are transferred from your designated hospital to a secondary or tertiary hospital, you can use the medical insurance card for settlement;

3. If the patient is in critical condition and hospitalized in a designated hospital other than his own, he/she shall go to the municipal medical insurance center for emergency rescue disease identification within 5 days, and after being identified as an emergency rescue disease, he/she can use the medical insurance card to settle accounts in the rescue hospital;

4. Those who are transferred to other places for treatment shall go through the referral procedures with the consent of hospitals and medical insurance centers. The expenses incurred in the field shall be settled by the individual at his own expense first, and after the diagnosis and treatment, the materials shall be prepared and reimbursed by the community labor security workstation;

5. Medical insurance reimbursement is calculated in proportion, generally ranging from 7%. The proportion and amount of reimbursement are related to their own examination and medication, medical grade and other factors;

6. When reimbursing, the insured person needs to prepare relevant materials used for hospitalization, such as outpatient medical record, discharge record, discharge diagnosis (disease diagnosis), hospitalization invoice (which can be submitted to the outpatient department), hospitalization expense list, medical insurance settlement form, and relevant inspection reports if the patient has undergone CT, ultrasound, electrocardiogram and other examinations;

7. Discharge settlement. After the relevant information is submitted, it can be reimbursed in the medical insurance reimbursement window. After the approval, the amount of reimbursement will usually arrive in the account within 15 working days.

to sum up, the part paid by the company is a co-ordination account, and the individual pays a personal account. The co-ordination account is used for hospitalization, and the personal account can be used for daily pharmacy purchases and outpatient services.

Legal basis:

Article 28 of the Social Insurance Law of the People's Republic of China

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.

article 29

the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical trading units.

the social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in different places, so as to facilitate the insured to enjoy the basic medical insurance benefits.