First of all, it can be divided into social pooling fund, labor insurance pooling fund and endowment insurance pooling fund. These different funds have different management methods, among which social pooling funds are more complicated, mainly referring to basic medical insurance funds, including pooling funds and personal accounts. And co-ordinate the source of funds of the fund.
Extended data:
Scope of payment:
First, avoid pooling funds to occupy personal accounts and prevent pooling funds from occupying personal accounts to achieve their own balance, so that personal accounts become "empty accounts";
Second, the scope of pooling funds and personal accounts is not defined, which easily leads to the sudden consumption of personal accounts and increases the risk and monitoring difficulty of pooling funds, which is an important reason for the overspending of pooling funds;
Third, make the overall fund and personal account run independently, make independent accounting, seek balance by themselves, reduce the difficulty of monitoring and facilitate management;
Fourth, the Qifubiaozhun of the overall fund is based on the average wage of employees in the city in the previous year, and each hospitalization is calculated to avoid the spread of minor illnesses and crowding out the overall fund;
Five, the maximum payment limit of the overall fund is accumulated on an annual basis, which is four times the average salary of employees in the previous year, so as to avoid the excessive use of the overall fund by a very small number of people and affect the payment of medical expenses for the vast majority of employees.
References:
Baidu encyclopedia-tongchoujin