When eligible medical insurance is reimbursed, the medical insurance payment is deducted from the personal account, and the reimbursable part is deducted from the medical insurance pooling fund.

medical insurance refers to social medical insurance. It is a social insurance system that meets the basic medical needs of the state and society according to laws and regulations when workers are sick. On January 12th, 216, the State Council issued "Opinions on Integrating the Basic Medical Insurance System for Urban and Rural Residents", which required to promote the integration of medical insurance for urban residents and the new rural cooperative medical system, and gradually establish a unified medical insurance system for urban and rural residents nationwide.

1. In 1988, the government of China began to reform the free medical care system in government institutions and the labor insurance medical care system in state-owned enterprises. In 1998, the China Municipal Government promulgated the Decision on Establishing the Basic Medical Insurance System for Urban Employees, and began to establish the basic medical insurance system for urban employees throughout the country.

2. The basic medical insurance system in China adopts the mode of combining social pooling with individual accounts. The basic medical insurance fund shall, in principle, be co-ordinated at the municipal level. The basic medical insurance covers all employers and their employees in cities and towns; All enterprises, state administrative organs, institutions and other units and their employees must fulfill the obligation to pay the basic medical insurance premium. At present, the employer's contribution ratio is about 6% of the total salary, and the individual contribution ratio is 2% of my salary. Part of the basic medical insurance premium paid by the unit is used to establish the overall fund, and part of it is included in the personal account; The basic medical insurance premiums paid by individuals are included in personal accounts. Pooling funds and individual accounts bear different responsibilities for payment of medical expenses. The overall fund is mainly used to pay for hospitalization and outpatient treatment of some chronic diseases, and the overall fund has Qifubiaozhun and maximum payment limit; Personal accounts are mainly used to pay for general outpatient expenses.

3. In order to ensure the insured employees to enjoy basic medical services and effectively control the excessive growth of medical expenses, the China Municipal Government has strengthened the management of medical services, formulated the basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards, qualified medical institutions and pharmacies that provide basic medical insurance services, and allowed insured employees to choose. In order to cooperate with the reform of the basic medical insurance system, the state also promotes the reform of medical institutions and drug production and circulation system. By establishing the competition mechanism between medical institutions and the market operation mechanism of drug production and circulation, we will strive to achieve the goal of "providing better medical services at lower costs".