the medical insurance co-ordination area refers to the insured place, also called the co-ordination unit. The basic medical insurance for employees shall, in principle, be based on administrative regions at or above the prefecture level, including prefectures, cities and leagues, or counties (cities), and Beijing, Tianjin and Shanghai shall, in principle, implement overall planning within the city. All units and their employees should participate in the basic medical insurance in the overall planning area according to the principle of territorial management, implement a unified policy, and implement a unified collection of basic medical insurance funds.

Overall medical insurance 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.

the medical insurance pooling fund belongs to all the insured persons, and it is centrally managed by the social insurance agency, which is mainly used to pay the medical expenses, operation expenses, nursing expenses, basic examination fees, etc. of the insured employees. The medical insurance fund shall be specially stored and earmarked, and no unit or individual may misappropriate it. Medical insurance is equivalent to social insurance fund, which is used to reimburse medical expenses.

the basic medical insurance premium is paid by both the employer and the individual, which reflects the compulsory characteristics of national social insurance and the unity of rights and obligations. Medical insurance premiums are paid by both units and individuals, which can not only expand the sources of medical insurance funds, but more importantly, clarify the responsibilities of units and employees and enhance personal awareness of self-protection. In this reform, China has stipulated the control standard of employer's contribution rate and individual's contribution rate: the employer's contribution rate is controlled at about 6% of the total wages of employees, and the specific proportion is determined by local governments. The employee's contribution rate is generally 2% of his salary income.

Legal basis:

Article 22 of the Regulations on the Prevention and Handling of Medical Disputes

stipulates that in the event of a medical dispute, both doctors and patients can solve it through the following channels:

(1) Both parties negotiate voluntarily;

(2) apply for people's mediation;

(3) Apply for administrative mediation;

(4) bring a lawsuit to the people's court;

(5) other channels as prescribed by laws and regulations.