The medical insurance pooling fund refers to the remaining part of the medical insurance premiums paid by all employers for employees in an overall planning area after deducting personal accounts. The medical insurance pooling fund belongs to all insured persons, and is managed centrally by social insurance agencies and used uniformly. It is mainly used to pay the medical expenses, operation expenses, nursing expenses and basic inspection expenses of the insured employees. The medical insurance fund shall be stored in a special account for special purposes, and no unit or individual may misappropriate it.
2. Medical insurance refers to the insurance that pays insurance money on the condition that the medical behavior agreed in the insurance contract occurs, and provides protection for the medical expenses of the insured during the medical treatment. Medical insurance collects medical insurance premiums from people threatened by illness in advance in the form of contracts. When the insured goes to a medical institution for medical treatment, the medical insurance institution will give certain economic compensation. Medical insurance is to allocate the economic losses caused by disease risks to all members threatened by the same risks, and to compensate the economic losses caused by diseases with centralized medical insurance funds.
3, the difference:
(1) The medical insurance pooling fund belongs to all the insured persons, and it is centrally managed by the social insurance agency, and is used for unified adjustment, mainly used to pay medical expenses, operation expenses, nursing expenses, basic inspection fees, etc. Generated by the insured employee. The medical insurance fund shall be stored in a special account for special purposes, and no unit or individual may misappropriate it.
(2) Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation.