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 fund belongs to all insured persons, and is managed centrally by social insurance agencies and used uniformly. It is mainly used to pay the medical expenses, operation expenses, nursing expenses and basic inspection expenses of the insured employees. The medical insurance fund shall be stored in a special account for special purposes, and no unit or individual may misappropriate it.

The overall fund includes personal accounts, financial subsidies, social donations, bank interest, late payment fees, commercial serious illness insurance, etc. after deducting the total payment of all insured units in the overall planning area.

The medical insurance pooling fund belongs to the insured, which is stored in a special account and earmarked, and no unit or individual may misappropriate it. The overall fund is mainly used for medical expenses such as hospitalization of insured persons, emergency rescue in non-designated hospitals, referral in different places, resettlement in different places, and special disease clinics.

The medical insurance pooling fund is the primary condition to ensure the normal operation of the basic medical insurance system. Once the overall fund is seriously overspent, the guarantee function of the basic medical insurance system will be weakened or even collapsed, which will lead to the failure of the basic medical insurance reform. However, it is an objective and unavoidable fact that the whole fund faces various risks during its operation. Therefore, it is of great practical significance to seriously study and discuss various risks existing in the operation of medical insurance funds, and to avoid and guard against these risks.

In the current social environment, the formation of medical insurance pooling fund risk can be roughly divided into overall social factors and local social factors.

legal ground

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

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

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.