2, medical insurance fund as a reserve fund, its purpose is to ensure that people who participate in medical insurance "sick can be treated". The money on the medical insurance card is actually the basic medical expenses used by the insured for general disease outpatient and emergency treatment. At present, it has been clearly stipulated in the medical insurance system that personal account funds can be carried forward and inherited according to law. In other words, if the insured's medical insurance card deposits are exhausted, their descendants can continue to use it.
3. The medical insurance fund adopts a combination of social pooling and individual accounts. The basic medical insurance premium is paid by the employer according to 7% of the total wages of employees in the previous year, and the basic medical insurance premium is paid by individual employees according to 2% of the salary income in the previous year. The social pooling fund is mainly used to ensure the hospitalization expenses of the insured, and the personal account is mainly used to pay for basic medical expenses such as minor illnesses in outpatient clinics and medicines bought in pharmacies.
4. As an accumulation mechanism, the purpose of establishing medical insurance is to accumulate part of the income of the insured when he was young with the medical insurance premium paid by the employer. Once the insured suffers from a serious illness and cannot make ends meet in the face of high medical expenses, or when he loses his labor force in old age and needs medical assistance, the fund on the medical insurance card will be used as "life-saving money" to ensure that he "gets medical treatment for his illness".