The medical insurance pooling fund refers to the medical insurance premiums paid by all employers for employees in an overall planning area, excluding the remaining part after being transferred to individual accounts, as well as financial subsidies, social donations, bank interest, late fees and other funds. These funds are centrally managed and used by social insurance institutions. It is mainly used to pay the medical expenses of the insured and realize the reimbursement of medical expenses. Simply put, the medical insurance pooling fund belongs to all insured persons and is used to share the risk of medical expenses, not personal private property.

Attention should be paid to the use of medical insurance cards:

1. Cash withdrawal is prohibited.

No unit or individual may violate the scope and requirements of the medical insurance card, and it is strictly forbidden to take cash.

2. Some provincial and municipal medical insurance cards can be used by the whole family.

In some provinces and cities, such as Zhejiang Province and Guangzhou City, the surplus funds of individual medical insurance accounts over the years can be used to pay the medical insurance expenses of employees' spouses, children, parents and other close relatives who participate in basic medical insurance, so as to realize mutual assistance among family members.

3. The following medical insurance will not be paid.

Seeing a doctor in a non-designated medical institution or buying medicine in a non-designated retail pharmacy (except emergency): self-injury caused by personal fighting, drug abuse or other illegal acts; Treatment for alcoholism, suicide and self-mutilation; Injuries caused by traffic accidents, medical accidents or other liability accidents; And the situation that the state or local regulations should be paid by individuals.

To sum up, the medical insurance fund pays not personal money, but funds paid and used by all insured persons. This system aims to realize the burden of medical expenses and ensure that every insured person can enjoy basic medical security.

Legal basis:

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

Article 12

The basic medical insurance premium is levied on a monthly basis, and the employer and employees shall pay the basic medical insurance premium to the tax collection authority within the prescribed time limit. The part that individual employees should pay shall be withheld and remitted by the employer from their wages.