Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.
The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".
The relevant provisions on personal account transfer of medical insurance are as follows:
1. All personal contributions for medical insurance are transferred to your personal account. The unit contribution amount is different according to your age, and the proportion will be adjusted with your age;
2. The actual expenses paid by the unit for you are the amount in the overall plan plus the amount in the personal account, but the amount in the personal account can be used by you on the medical insurance card, and the amount in the overall plan is included in the local social insurance overall plan, which can be used to pay the medical expenses incurred by your hospitalization.
The money on your medical card is only the amount in your personal account, that is, the part paid by you personally and the part transferred by the company;
3, personal account delimit standard, by the municipal administrative department of labor and social security in accordance with the basic medical insurance premiums paid by all insured units delimit personal account accounted for about 35% of the principle of calculation and determination, after the approval of the municipal government, timely adjustment. The basic medical insurance premium paid by the unit, after deducting the part included in the personal account, is all included in the social pooling fund.
Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.
The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.
Article 26
The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Article 28
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.