1, medical fund refers to the funds raised by the medical insurance agency for the basic medical insurance of employees in order to guarantee the basic medical insurance of employees in accordance with the relevant provisions of the state. Employers and employees pay basic medical insurance premiums in a fixed proportion. The basic medical insurance fund includes social pooling fund and individual account.
2. Medical insurance belongs to the business scope of labor security. All the basic medical insurance premiums paid by the insured individuals are transferred to individual accounts; The basic medical insurance premium paid by the insured unit, except for the part credited to the personal account, is all used as a unified fund, which is managed and used by the medical insurance agency. Personal accounts are mainly used to pay for outpatient service and drug purchase, and pooling funds are mainly used to pay for hospitalization medical expenses of insured persons, outpatient specific items and some chronic diseases and family beds. The medical assistance fund for serious illness is mainly used to pay the hospitalization expenses above the maximum payment limit of the basic medical insurance fund for the insured.
3, medical assistance fund is a serious illness medical assistance fund, used to pay the insured basic medical insurance fund for hospitalization expenses above the maximum payment limit. Medical insurance refers to the basic medical insurance premium paid in full and on time by employers and employees according to the principle of compulsory social insurance through national legislation. If it is not paid in full and on time, the basic medical insurance fund will not pay its medical expenses regardless of individual accounts. Take the proportion of medical insurance payment in Beijing as an example: the employer pays 10% of its total payment base every month, and the employee pays 2% of his salary as a whole for serious illness+3 yuan.