The overall payment in medical insurance can only be used to pay for hospitalization and outpatient treatment of some chronic diseases. The overall fund has a minimum payment standard and a maximum payment limit, and the personal account is mainly used to pay the general outpatient expenses.

The basic medical insurance fund shall, in principle, implement municipal co-ordination. 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 individual accounts, and the overall fund and individual accounts bear different responsibilities for payment of medical expenses.

Extended data

Differences in overall payment standards:

(1) The basic medical expenses incurred by the insured person during the designated outpatient time due to emergency directly to the town (street) community health service center shall be paid by the overall fund according to the regulations.

(2) the insured person directly to the town (street) community health service center outpatient rescue of basic medical expenses, the overall fund to pay in accordance with the provisions; The proportion of basic medical expenses incurred by direct visits to designated outpatient clinics and outpatient rescue in medical institutions outside the town (street) community health service center will be reduced by 10%.

(3) The designated outpatient service is referred to the community health service center, and the overall fund is paid as required; Transferred to the outpatient department of the town (street) designated hospital headquarters or the outpatient department of the municipal designated specialized hospital headquarters, the proportion of overall fund payment decreased by10%; Transfer to the outpatient department of the designated tertiary hospital in the city, and the payment ratio will be reduced by 20%; Transferred to other medical institutions, the overall fund will not be paid.

In addition to the above situation, the insured person goes to a medical institution other than the designated outpatient clinic for medical treatment, and the overall fund will not pay.

Reference: Baidu Encyclopedia? Total payment