China's medical insurance fund is a social public insurance system established to protect the health of the whole people. In terms of medical insurance fund management, China implements the principles of unified financing, hierarchical management, comprehensive supervision, openness and transparency. Specifically, overall financing refers to integrating all kinds of medical insurance funds into one account for management to ensure that the funds can be better used to protect the medical needs of the insured; Hierarchical management refers to the division and management of medical institutions according to factors such as region and type, so as to improve the utilization efficiency of medical resources; Comprehensive supervision refers to the supervision and control of medical institutions, drugs and diagnosis and treatment projects through perfect system construction and supervision mechanism to ensure the effective use of medical insurance funds; Openness and transparency means making public the income and expenditure, use and management of medical insurance funds and accepting social supervision. In addition, in the management of medical insurance funds, medical institutions, drugs and diagnosis and treatment projects are finely controlled, and the use of medical insurance funds is controlled through pricing, quota and approval to ensure the quality and efficiency of medical services.
What medical expenses can the medical insurance fund be used for? The medical insurance fund is mainly used for the medical expenses and related expenses of the insured, including outpatient service, hospitalization, special disease and serious illness insurance. However, the expenditure scope of different regions and types of medical insurance funds may be slightly different, which needs to be subject to local regulations.
China's medical insurance fund management implements the principles of unified financing, hierarchical management, comprehensive supervision, openness and transparency, and ensures the effective use of medical insurance funds through refined management and control. When individuals enjoy medical insurance benefits, they should carefully understand the relevant policies and regulations, abide by the requirements of medical service standards, achieve rational drug use and accurate medical treatment, cherish medical insurance resources and build a harmonious medical society.
Legal basis:
Article 19 of People's Republic of China (PRC) Medical Insurance Law is used for medical insurance benefits payment, medical insurance fund operation management, medical insurance fund supervision and inspection, medical insurance fund information system construction, medical insurance fund reserve and other purposes related to medical insurance fund.