1. Medical insurance as a whole refers to the medical insurance premiums paid by all employers for employees in a co-ordination area, excluding the rest after being transferred to individual accounts, including financial subsidies; Social donation; Bank interest; Additional income such as late fees.

2. The medical insurance pooling fund belongs to all the insured persons, and is centrally managed by the social insurance agency, which is used for unified adjustment. It is mainly used to pay the medical expenses, operation expenses, nursing expenses, basic inspection fees, etc. of the insured employees.

3. The medical insurance pooling fund shall be specially stored and earmarked, and no unit or individual may misappropriate it.

4. Medical insurance pooling is equivalent to social insurance fund, which is used to reimburse medical expenses.