the medical insurance fund refers to the special fund raised by the medical insurance agency from units and individuals for the basic medical insurance of employees in order to ensure the basic medical care of employees. The basic medical insurance fund includes two parts: social pooling fund and individual account, which are paid by the employer and individual employees according to a certain proportion.

medical insurance belongs to the business scope of labor security. All the basic medical insurance premiums paid by the insured individuals are included in individual accounts; The basic medical insurance premiums paid by the insured units, except those credited to individual accounts, are all used as overall funds, which are managed by the medical insurance agencies in a unified way and used in a unified way. Personal accounts are mainly used to pay for outpatient and drug purchase expenses, and the overall fund is mainly used to pay for medical expenses of insured persons for hospitalization, outpatient specific projects and some chronic diseases and family beds. The serious illness medical assistance fund is used to pay the hospitalization medical expenses above the maximum payment limit of the basic medical insurance pooling fund of the insured.