The overall planning area is a unit that manages and uses the endowment insurance fund or the basic medical insurance fund within a certain administrative area. Usually, administrative regions at or above the prefecture level are taken as the overall planning units, and counties (cities) with large populations can also become the overall planning units. In these areas, all units and employees must participate in local basic medical insurance, follow a unified policy, and implement unified fund collection, management and use. The overall fund is used to pay the insured's medical expenses, including medical expenses, operation expenses, nursing expenses, etc. , centralized management by social insurance institutions. The basic medical insurance premium is jointly paid by the employer and the individual. The unit contribution rate is generally 6% of the total wages of employees, and the individual contribution rate is 2% of wage income.

Types of social security:

1. Endowment insurance: social insurance that provides basic living security for the insured after retirement;

2. Medical insurance: social insurance that provides basic medical services and cost compensation for the insured;

3. Unemployment insurance: social insurance that provides basic living expenses and employment services for the unemployed;

4. Work-related injury insurance: social insurance that provides medical expenses and living allowances for patients with work-related injuries or occupational diseases;

5. Maternity insurance: cost of living allowance's social insurance is provided for female workers during maternity.

To sum up, the overall planning area refers to the units that manage and use the endowment insurance fund or the basic medical insurance fund in a certain administrative area, such as an administrative area above the prefecture level or a county (city) with a large population. All units and employees must participate in the local basic medical insurance, and the fund raising, management and use shall be carried out according to the unified policy. The expenses are shared by the employer and the individual, and are mainly used to pay the medical expenses of the insured.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its 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.