Medical mutual aid funds generally refer to a mutual aid medical welfare guarantee launched by local governments. After taking out the insurance, the insured can apply for reimbursement as long as they meet the coverage requirements. The coverage period is one year after taking out the insurance.

The premium is usually relatively cheap at about 100 yuan/year.

Employee mutual medical aid is a policy-based insurance that benefits the people. It is an insurance that provides financial assistance to employees and their family members if they suffer from serious illness and enjoy basic medical insurance benefits. If the medical expenses paid by the individual are relatively high.

Employee medical mutual aid is a supplementary insurance to the social security system. The underwriting institution is usually an independent institution such as a labor union. It is not mandatory and employees participate voluntarily.

Employee mutual medical insurance premiums are mainly paid voluntarily by employees for themselves and their families, and they enjoy corresponding mutual medical insurance benefits according to the payment period and payment amount. Employers can also pay part of the mutual medical insurance premiums for their employees, and the fees paid are also

Expenditures can be disbursed according to relevant national regulations.

1. Employee medical mutual aid security fund refers to a certain mutual aid fund paid by employees.

The employee medical mutual aid security fund uses collective strength to help individual employees reduce their medical burden and improve their ability to withstand the risk of serious illness.

2. In Hubei, employee medical mutual assistance activities have been carried out in Wuhan urban area and Xiangyang.

In September 2010, nine city federations of trade unions, including Wuhan, Huangshi, Xiaogan, Ezhou, and Huanggang, as well as provincial-level trade unions, officially launched the implementation of mutual medical assistance activities for employees in the Wuhan urban area for major diseases.

As of now, three phases of medical mutual assistance activities for employees with serious illnesses in urban areas have been carried out.

Among them, 306,800 employees participated in mutual aid activities in the third phase, raising mutual aid funds of 32.7809 million yuan; 872 employees have received mutual aid subsidies, with a subsidy amount of 9.345 million yuan.

3. The "trade union employee medical mutual aid fund" is the "employee mutual aid guarantee".

Employee mutual aid and security is a mutual aid and security activity initiated and organized by the All-China Federation of Trade Unions and voluntarily participated by employees, which has low premiums, strong protection, simple procedures, timely compensation, standardized management, and is not for profit.

4. Mutual aid and security for employees aims to give full play to the rights protection function of trade unions and promote the development of social security undertakings. It is an effective way for trade unions to implement warmth-providing projects and provide assistance and relief.

Its main task is to carry out mutual aid and security activities related to employees' birth, old age, illness, death, injury and disability on the basis of employees' self-raised funds and voluntary participation.

Legal basis: Article 1 of the Trade Union Law of the People’s Republic of China and the People’s Republic of China: Trade unions are mass organizations voluntarily united by the working class.

All wage laborers in all enterprises, institutions and schools in China who rely on wage income as all or the main source of their physical and mental means of living and wage laborers without fixed employers have the right to organize trade unions.

Article 2 The principle of trade union organization, in accordance with the provisions of the Articles of Association of the All-China Federation of Trade Unions adopted by the National Labor Conference, should be democratic centralism.

Trade union committees at all levels should be elected by the general assembly or representative assembly.

Trade union members have the right to replace their elected representatives or members at any time in accordance with the provisions of the union charter.

Trade union committees at all levels should report their work to the members they represent or their congresses, and obey the resolutions or instructions of the superior trade union organization.

"Medical Mutual Aid Security Plan for Active Employees" Article 1 The "Medical Mutual Aid Security Plan for Active Employees" adheres to the principle of the generalized system of preferences.

Protection objects include: (1) Employees who participate in the Beijing Basic Medical Insurance, are union members managed by the Municipal Federation of Trade Unions, and hold mutual aid service cards for trade union members. The unions at the municipal and district and bureau head office levels will pay funds for their members.

, enjoy the mutual assistance protection of this plan.

(2) To participate in the Beijing Basic Medical Insurance, all employing units (including collectives, joint ventures, foreign-funded enterprises, private and private enterprises, etc.) that have not formed a trade union in the administrative region of this city can form a trade union and apply for a trade union member mutual aid service card, and enjoy

This plan; the unit can also organize all employees to participate in the insurance collectively, and each person must pay a membership fee of 85 yuan per year. The number of insured employees in the same unit must not be less than 80% of the total number of employees. Units with less than 100 employees must be 100% insured.

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