In China, medical insurance payment is based on the principle of individual and unit sharing. Individuals need to deduct medical insurance expenses from their wages according to the prescribed proportion, and these expenses are directly included in their medical insurance accounts. The part paid by individuals is one of the main sources of funds in personal accounts of medical insurance, which embodies the responsibilities and obligations of individuals in medical insurance.

Second, the unit to pay part

In addition to individual contributions, the funds of individual medical insurance accounts also come from some medical insurance expenses paid by units or enterprises for employees. Units or enterprises pay medical insurance premiums for employees in accordance with the prescribed proportion, and part of the funds will be transferred to employees' personal accounts. This part of the funds reflects the responsibility and responsibility of the unit or enterprise in the medical security of employees.

Third, the management and use of funds.

Individual medical insurance account funds are managed by the medical insurance department to ensure the safe and compliant use of funds. The insured can settle medical expenses in designated medical institutions and pharmacies through medical insurance cards or electronic certificate. The funds in the personal account of medical insurance can be used to pay for outpatient medical expenses, hospitalization medical expenses and drug expenses. To provide certain medical security for the insured.

Four. Policy adjustment and reform

With the continuous improvement and reform of the medical security system, the source of funds, management methods and scope of use of personal accounts for medical insurance are constantly being optimized and adjusted. According to social and economic development and medical security needs, the government will adjust the proportion of medical insurance contributions and personal accounts in a timely manner to ensure the sustainable development of the medical insurance system and better protect the rights and interests of the insured.

To sum up:

The money in the personal account of medical insurance mainly comes from the medical insurance expenses paid by individuals and units. Individuals deduct medical insurance expenses from their wages according to the prescribed proportion, and the unit also pays medical insurance expenses for employees according to a certain proportion, and part of the funds are transferred to personal accounts. These funds are managed by the medical insurance department and used to pay the medical expenses of the insured. With the reform and improvement of the medical security system, the source, management and use of funds for personal accounts of medical insurance will be continuously optimized and adjusted.

Legal basis:

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

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

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

Article 27 provides that:

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

These legal provisions define the payment subject, payment method and conditions of employees' basic medical insurance, and provide a legal basis for the source and use of funds for personal accounts of medical insurance.