In the overall account, the new rule is that employees' personal accounts are included in the basic medical insurance premiums paid by individuals, and all the basic medical insurance premiums paid by units are included in the overall fund. It means that in the paid employee medical insurance, the expenses paid by individuals are included in the medical insurance card, and the expenses paid by units are included in the overall account. The money in the medical insurance card can be freely controlled by the insured, and the money in the overall account can only be used for reimbursement.

The money in the medical insurance card can be used not only for yourself, but also for your family, but the money in the overall account can only be reimbursed by yourself, not for your family. Moreover, when transferring the medical insurance relationship, the money paid by individuals in the medical insurance account can be transferred out, but the money paid by the unit is also a so-called overall account.

Proportion of medical insurance units to individuals:

1 Employee's basic medical insurance payment rate: the enterprise unit rate is 7. 8%, individual 2%;

2 The rate of public institutions is unit 7. 3%, 2% for individuals;

The rate of flexible employees and individual industrial and commercial households without employees is 5. Overall accounting for 6%;

The part paid by the company is the overall account, and the individual pays the personal account. The overall account is used for hospitalization, and the personal account can be used for daily drug purchase and outpatient service.

Sources of funds for the whole fund:

The basic medical insurance pooling fund is the basic medical insurance premium paid by the employer, and the remaining funds and interest income after deducting the part transferred to the personal account are the basic medical insurance pooling fund.

The purpose of pooling funds:

The overall fund is mainly used to pay for outpatient and inpatient medical expenses of special diseases, which belongs to the scope of basic medical insurance payment. We can't pay the general outpatient expenses and all self-funded items, and we can't pay the medical expenses caused by illegal crimes, alcoholism, suicide, self-mutilation, work-related injuries, maternity, traffic accidents, medical accidents and other liability accidents.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 28 of the Social Insurance Law of People's Republic of China (PRC).

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.