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.

Medical insurance is the focus of people's livelihood. Everyone's understanding of medical insurance mostly stays in: medical insurance is mainly to protect our health, and the money in medical insurance cannot be taken out. In fact, medical insurance is divided into individual accounts and overall accounts. There are obvious differences between the two, which can be said to be their own duties. Let's take a look at the detailed introduction.

The difference between individual account and overall account of medical insurance.

1 The money in the personal account is the monthly expenses borne by oneself, and the money in the overall account is the expenses paid by the company;

2. The money in the personal account can be used to pay for the self-funded part when buying medicine for medical treatment, and the money in the overall account can be used to pay for reimbursement for medical treatment;

The money in individual accounts can only be withdrawn on the basis of meeting the relevant conditions, and the money in overall accounts cannot be withdrawn under any circumstances;

The money in the account of four people can be used not only by their own family members, but also by the overall account. If they are hospitalized, they can only be reimbursed by the insured themselves, but not by family members.

The money in the five personal medical insurance accounts is the same as that in the bank card. Insurance pooling fund is a kind of financial management, which needs continuous investment and appreciation.

The money in six personal accounts will never expire and can be paid off. The money in the overall account has been paid off, so it won't be needed next month.

Medical insurance personal account and pooling account are two completely different accounts, with different amounts of money transferred each month, completely different purposes and completely different meanings. To put it simply, when you see a doctor, the money for reimbursement is from the overall account, and the money you pay can be from your personal account.

Legal basis:

"People's Republic of China (PRC) Social Insurance Law" Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.