The balance of medical insurance personal account means that the principal and interest in the personal account are owned by the individual and can be used to pay for minor illnesses and outpatient expenses.

The funds of the basic medical insurance account mainly come from two parts, one is individual contributions, and the other is unit contributions. All individual contributions are credited to personal accounts, and only a part of unit contributions are credited to personal accounts. The principal and interest of the personal account are owned by the individual and can be used to pay for minor illnesses and outpatient expenses. So the balance of basic medical insurance refers to this part of the balance. The remaining unit contributions will go to the overall fund, and the money from the overall fund is mainly used for serious illness or hospitalization expenses, so most of it is used for reimbursement. The overall fund and individual account are settled separately and do not affect each other.

1, medical insurance co-ordination refers to the medical insurance premiums paid by all employers for employees in a co-ordination area, after deducting personal accounts.

2. The medical insurance pooling fund belongs to all insured persons, and it 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.

3. The overall fund includes: the remaining part of the personal account after deducting the total payment of all insured units in the overall planning area; Financial subsidies; Social donation; Bank interest; Late payment fees, etc.

4. The medical insurance pooling fund belongs to all insured persons, which is stored in special accounts and earmarked for special purposes, and no unit or individual may misappropriate it. The overall fund is mainly used for medical expenses such as hospitalization of insured persons, emergency rescue in non-designated hospitals, referral from different places (hospitals), resettlement in different places, and special disease clinics.

5, the medical insurance cost is very low, which can be widely accepted by the unit and the people, so that the people can enjoy great protection while reducing the purchase pressure;

6. Medical insurance covers a wide range, and you can apply for basic medical insurance no matter what industry or position;

7. Users can enjoy the protection of medical insurance for a long time after the number of times they pay medical insurance reaches a certain limit;

8. The expenses paid by medical insurance, the conditions for handling and the services provided are unified and there is no differentiation, so that every user has equal rights.

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