Legal analysis: Medical insurance co-ordination refers to the rest of the medical insurance premiums paid by all employers for employees in a co-ordination area after deducting them from personal accounts. The medical insurance pooling fund belongs to all the insured persons, and is managed by the social insurance agency in a centralized way and used in a unified way. It is mainly used to pay the medical expenses, operation expenses, nursing expenses and basic inspection fees of the insured workers. The medical insurance fund shall be specially stored and earmarked, and no unit or individual may misappropriate it. The overall planning fund includes: the remaining part of the total payment of all insured units in the overall planning area after deducting the personal account; Financial subsidies; Social donation; Bank interest; Late payment fees, etc. At present, the employer's contribution ratio is about 6% of the total salary, and the individual contribution ratio is 2% of my salary. Part of the basic medical insurance premium paid by the unit is used to establish the overall fund, and part of it is included in the personal account; The basic medical insurance premiums paid by individuals are included in personal accounts. Pooling funds and individual accounts bear different responsibilities for payment of medical expenses. The overall fund is mainly used to pay for hospitalization and outpatient treatment of some chronic diseases, and the overall fund has Qifubiaozhun and maximum payment limit; Personal accounts are mainly used to pay for general outpatient expenses.

legal basis: article 3 of the regulations of the people's Republic of China on basic medical insurance for urban employees establishes the basic medical insurance fund for urban employees, and implements the system of combining individual medical accounts (hereinafter referred to as individual accounts) with basic medical pooling funds (hereinafter referred to as pooling funds).