1. The part paid by the company is the overall account, and the individual pays the personal account. The overall account is used for hospitalization, and the personal account can be used for daily drug purchase and outpatient service;
2. The source of funds for the overall fund is the basic medical insurance premium paid by the employer, and the remaining funds and interest income after deducting the part included in the personal account are the basic medical insurance overall fund;
3 overall fund is mainly used to pay for outpatient and inpatient medical expenses of special diseases, which belongs to the scope of basic medical insurance payment. We can't pay the general outpatient expenses and all self-funded items, and we can't pay the medical expenses caused by illegal crimes, alcoholism, suicide, self-mutilation, work-related injuries, maternity, traffic accidents, medical accidents and other liability accidents.
Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC).
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.