All insurance funds are managed separately, that is, each insurance has its own overall fund.
It is an important principle that the basic medical insurance combines social pooling with individual accounts. There are four specific provisions for the establishment and use of pooling funds and individual accounts:
1, which is to establish overall funds and personal accounts. Personal contributions are all included in personal accounts; About 30% of the unit payment is included in the personal account, and the rest is set up as a whole fund. The principal and interest of individual accounts are owned by individuals and can be carried forward and inherited;
2, that is, the overall fund and individual account should be clear about their respective payment scope and managed separately. Personal accounts are mainly used for minor illness or outpatient expenses, and pooling funds are mainly used for serious illness or hospitalization expenses. The purpose is to clarify their respective responsibilities, avoid the overdraft of individual accounts by pooling funds, and facilitate management;
3, is to develop the overall fund Qifubiaozhun and maximum payment limit. Qifubiaozhun is controlled in principle at about 10% of the average annual salary of local employees, and the maximum payment limit is controlled in principle at about 4 times of the average annual salary of local employees;
4. Medical expenses below the minimum threshold shall be paid from personal accounts or by individuals. Medical expenses above Qifubiaozhun and below the maximum payment limit are mainly paid from the overall fund, and individuals also have to bear a certain proportion.
legal ground
People's Republic of China (PRC) social insurance law
Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts.
The basic old-age insurance fund consists of employers, individual contributions and government subsidies. Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.
Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively. Fifteenth basic pension consists of overall pension and individual account pension.
The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.