Medical insurance co-ordination refers to the medical insurance premiums paid by all employers for employees in a co-ordination area, excluding the rest after being included in personal accounts, including financial subsidies; Social donation; Bank interest; Additional income such as late fees. 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. Medical insurance is equivalent to social insurance fund, which is used to reimburse medical expenses.

The medical insurance fund includes:

1, the remaining part of the total payment of all insured units in the overall planning area after deducting personal accounts.

2. Financial subsidies

3. Social donation

4. Bank interest

5. Late payment fees, etc.

The medical insurance pooling fund belongs to all insured persons, which is stored in special accounts and earmarked for special purposes, and no unit or individual may misappropriate it. The overall fund is mainly used for medical expenses such as hospitalization of insured persons, emergency rescue in non-designated hospitals, referral from different places (hospitals), resettlement in different places, and special disease clinics.

Extended data:

Judging from the cities that have implemented the basic medical insurance system, the payment methods of the medical insurance pooling fund can be roughly divided into three types:

1. Patients pay directly to the hospital when they see a doctor, and then the patients settle accounts with the medical insurance institutions;

2. Patients do not pay directly for medical treatment, and hospitals and medical insurance institutions settle accounts with each other;

3, medical insurance institutions and hospitals to adopt fixed budget management, medical insurance institutions to allocate medical expenses month by month, year-end summary. Under normal circumstances, the fund is out of danger because it adopts the method of settlement afterwards, because the medical consumption form of medical institutions occurs in the front and the settlement is behind, which means that as the settlement itself, it has lost its ability to restrain medical behavior.

Under normal circumstances, if the prepayment system is adopted, it will not lead to the risk of the fund, because the medical insurance institutions have settled and paid the medical institutions according to the predetermined index system, and the medical institutions provide medical services according to the requirements of the cost and demand index system provided by the medical insurance institutions.

To sum up, medical insurance co-ordination belongs to all people in a certain area, and it is a medical insurance fund established by paying medical insurance premiums, and medical insurance co-ordination payment is to use the medical insurance fund to pay part of our medical expenses, that is, to reimburse medical expenses.