Co-ordinated payment means using funds from the co-ordinated account to pay the insured's related medical expenses.

Account payment is the consumption behavior of using the insured's medical insurance card at pharmacies or outpatient clinics.

Medical insurance overall management consists of individual accounts and overall accounts.

Payment standards: Differences in overall payment standards: ① The basic medical expenses incurred by the insured person directly to the town (street) community health service center for emergency treatment outside the service hours of the designated outpatient clinics will be paid by the overall fund in accordance with regulations.

② The insured person directly goes to the community health service center of the town (street) for outpatient rescue. The basic medical expenses incurred by the overall fund shall be paid according to regulations; the insured person directly goes to the designated outpatient medical treatment point and the city's medical treatment other than the community health service center of the town (street).

The proportion of basic medical expenses incurred by the institution’s outpatient rescue will be reduced by 10% from the overall fund.

③If the patient is transferred to a community health service center through a designated outpatient clinic, the overall fund payment rate will be paid in accordance with regulations; if the patient is transferred to the outpatient department of the town (street) designated hospital or the outpatient department of the municipal designated specialist hospital, the payment ratio of the overall fund will be reduced by 10%.

; If the patient is transferred to the outpatient department of the headquarters of a designated tertiary hospital in the city, the payment rate will be reduced by 20%; if the patient is transferred to other medical institutions, the overall fund will not pay.

Related extensions: Medical insurance pooling payment means using the money in the pooling account to pay the insured's related medical expenses; personal account payment means using the money in the personal account to pay the insured's related medical expenses.

Medical insurance is a type of social security, and it is also the most basic and common type.

But social security is not a panacea, it only provides the most basic protection.

1. Medical insurance limits the scope of reimbursement. Medical insurance has the highest usage rate among social security reimbursements, so there are more restrictions on both the reimbursement amount and the scope of reimbursement.

Simply put, medical insurance reimbursement restrictions include two fixed points, three catalogs, deductibles, caps, reimbursement ratios, caps, etc.

Only expenses that meet these restrictions can be reimbursed.

For example, the three catalogs of medical insurance stipulate medicines, designated hospitals, disease reimbursement and medical scope.

2. Situations in which medical insurance will not reimburse 1. Seeking medical treatment on your own, such as not going to a designated hospital for medical treatment, or not applying for a referral form as required.

2. Service charges during treatment such as consultation fees, food fees, nutrition fees, blood transfusion fees, air conditioning and heating fees, etc.

3. Medical expenses incurred for intentional injuries. Medical expenses incurred due to car accidents, fights, alcoholism, etc.

4. Orthopedics, plastic surgery, dentures, prostheses, organ transplants, surgical fees, consultation fees, etc.; 5. Expenses that should be paid from work-related injury insurance and maternity insurance funds.

6. Medical expenses that should be borne by a third party.

Of course, the above is only a general situation in various places, and the specific reimbursement must follow the detailed local reimbursement policy.