The fund sources of medical insurance mainly include individual contributions and government financial allocations, and the fund is used to pay the medical insurance expenses that meet the requirements. The balance of medical insurance over the years will not be directly included in the fund payment, but will be kept as one of the fund sources for the next year.
Specifically, the fund payment of medical insurance is based on the needs of medical insurance expenses. If the expenditure of medical insurance in that year is greater than the fund income in that year, then the medical insurance fund will have a negative balance. On the other hand, if the medical insurance expenditure in that year is less than the fund income in that year, then the medical insurance fund will have a positive balance.
For the case of positive balance, the medical insurance department will include it as one of the fund sources in the next year to ensure the sustainable operation and healthy development of the medical insurance fund. In the case of negative balance, the medical insurance department will make adjustments and supplements to ensure the balance and stability of the medical insurance fund.
Matters needing attention in the use of medical insurance cards are as follows:
1, the medical insurance card cannot be cashed out, which is expressly stipulated, and once found, it will be severely punished by law;
2. Some provinces and cities can use a medical insurance card for the whole family. Some provinces or cities can use a medical insurance card for the whole family, which is very convenient, such as Zhejiang Province and Guangzhou City. Family members include spouses, children, parents and other close relatives;
3, the following medical insurance will not be paid:
(1) Self-injury caused by fighting, drug abuse or other illegal acts;
(two) in non designated medical institutions or in non designated retail pharmacies to buy drugs (except emergency);
(3) Injuries caused by traffic accidents, medical accidents or other liability accidents;
(4) Being treated for alcoholism, suicide, self-mutilation, etc. ;
(5) It shall be paid by individuals according to national or local regulations.
To sum up, medical insurance refers to the social insurance system established by the government to provide medical security services for the insured. The main function of medical insurance is to provide medical security for the insured, reduce the burden of medical expenses and protect people's health.
Legal basis:
Article 24 of People's Republic of China (PRC) Social Insurance Law
The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.
Article 25
The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.