Mutual medical care for employees is a kind of policy insurance that benefits the people. It aims to provide employees and their families with additional financial help beyond the basic medical insurance, especially when they face high medical expenses. This kind of insurance is usually undertaken by independent institutions such as unit trade unions, and employees can participate voluntarily, and they can be guaranteed by paying the insurance premium in one lump sum. When the medical expenses borne by individual employees exceed a certain amount, they can be reimbursed in proportion through the mutual medical insurance fund for employees. In addition, the workers' mutual assistance fund is a non-profit mutual assistance activity organized by the All-China Federation of Trade Unions. Through the participation of employees' self-raised funds, we will provide protection related to birth, old age, illness, death, injury and disability, give play to the role of trade unions in safeguarding rights, and promote the development of social security.

The operation mode of medical mutual fund;

1. Membership: individuals or families join medical mutual aid organizations and pay a certain amount of mutual aid funds according to regulations;

2. Risk * * *: Members can apply for financial support from mutual aid organizations when they have medical expenses;

3. Fund management: mutual aid organizations are responsible for managing the mutual funds of all members to ensure the rational use and distribution of funds;

4. Mutual aid expenditure: when a member has a medical accident or illness, the mutual aid organization will provide financial assistance according to the regulations;

5. Transparent operation: Mutual aid organizations usually need to disclose the income and expenditure of funds to ensure the transparency of operation.

To sum up, workers' mutual medical care is a policy-oriented insurance for the benefit of the people, which is undertaken by independent institutions such as trade unions. It aims to provide employees and their families with additional financial support beyond the basic medical insurance, especially in the face of high medical expenses, through voluntary payment and timely and proportional reimbursement of expenses exceeding the standard. At the same time, as a non-profit mutual assistance activity, it also covers risk protection such as birth, old age, illness and death, which embodies the rights protection function of trade unions and promotes the improvement of the social security system.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.