Medical insurance co-ordination refers to the remaining part of medical insurance premiums paid by all employers for employees in a co-ordination area after being deducted from personal accounts. The medical insurance pooling amount refers to the maximum amount that the medical insurance pooling fund can pay, which is related to whether the insured person can get timely and effective treatment when he is sick or has an accident.
The money in the medical insurance card will not be cleared, and it can be accumulated to pay the medical expenses that meet the requirements. However, if the medical insurance fee is interrupted, the medical insurance card function will be deactivated, but the balance of the medical insurance card account will not be cleared. Need to continue to enjoy medical insurance benefits, must continue to pay medical insurance fees in accordance with the provisions.
Medical insurance is also divided into two accounts, one is the overall fund account and the other is the personal account.
Under normal circumstances, employee medical insurance is divided into two accounts, while resident medical insurance has only one overall fund account. The overall fund account mainly refers to the amount spent by users in the hospital, which is reimbursed and settled through the overall account. The medical insurance fund shall be managed and used by the social security agency in a centralized way, and the fund shall be stored in a special account, and no unit or individual may misappropriate it.
The employee medical insurance fund is collectively owned, mainly managed and used by social insurance agencies, and can pay medical expenses that meet the requirements.
To sum up, the future development trend of employee's overall medical insurance is influenced by many factors. First of all, with the aging of the population, the overall medical insurance for employees will face greater pressure and challenges. It is necessary to further strengthen the financing and management of medical insurance funds to meet the growing medical needs. Secondly, with the progress of science and technology, medical technology is constantly updated, and the overall medical insurance of employees will face the problem of incorporating new medical technologies and drugs. In addition, the social requirements for the quality and efficiency of medical services are also constantly improving, and the management model needs to be continuously improved and optimized. Generally speaking, the future development trend of employee co-ordination medical insurance is to improve the sustainability of the fund and constantly adapt to the needs of social changes and technological progress on the premise of ensuring medical needs.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 32
If an individual is employed across the overall planning area, his basic medical insurance relationship will be transferred accordingly, and the payment period will be calculated cumulatively.