The cumulative calculation of the medical insurance pooling fund has a certain upper limit for the payment of the corresponding pooling fund every year. This ceiling must be used up within the year. If it is not used up, 65438+ 10/in the next year will be cleared automatically, but it does not mean that the whole overall account will be cleared. In fact, the funds in the overall medical insurance account belong to the collective, which are managed and adjusted by social security institutions to pay the medical expenses that meet the requirements. Even if it is not used within one year, it will not affect the accumulated quota, which will be carried forward to the next medical insurance year until the account cancellation or individual no longer enjoys medical insurance benefits.
The benefits of paying medical insurance are as follows:
1 is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves the worries of workers, makes them work with peace of mind, can improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor;
2. Adjust income differences and reflect social equity. Medical insurance is an important means for the government to redistribute income by collecting medical insurance premiums and paying medical insurance service fees.
3. An important guarantee for promoting economic system reform, especially the reform of state-owned enterprises.
To sum up, the overall medical insurance quota has a certain period. After a certain period of time, the remaining quota of the previous year is no longer valid. Therefore, although the overall medical insurance account will not be cleared every year, it is still necessary to use the medical insurance fund reasonably to ensure adequate protection when necessary.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.