Centralized management by social insurance agencies, unified adjustment and use, mainly used to pay medical expenses, surgery expenses, nursing expenses, basic inspection fees, etc. List of insured employees. The medical insurance fund shall be stored in a special account for special purposes, 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 individual accounts; Financial subsidies; Social donation; Bank interest; Late payment fee; Commercial critical illness insurance, etc.
The medical insurance pooling fund belongs to the insured, which is stored in a special account and earmarked, and no unit or individual may misappropriate it. The overall fund is mainly used for medical expenses such as hospitalization of insured persons, emergency rescue in non-designated hospitals, referral from different places (hospitals), resettlement in different places, and special disease clinics.
Extended data:
The medical insurance pooling fund is the primary condition to ensure the normal operation of the basic medical insurance system. Once the overall fund is seriously overspent, the guarantee function of the basic medical insurance system will be weakened or even collapsed, which will lead to the failure of the basic medical insurance reform.
However, it is an objective and unavoidable fact that the whole fund faces various risks during its operation. Therefore, it is of great practical significance to seriously study and discuss various risks existing in the operation of medical insurance funds, and to avoid and guard against these risks.
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