What does the employee medical mutual fund mean?

Mutual medical care for employees is a kind of policy insurance that benefits the people. It is an insurance that gives financial help to employees and their families when the medical expenses borne by individuals are relatively high after employees enjoy basic medical insurance benefits due to serious illness.

Workers' mutual medical insurance is usually undertaken by independent organizations such as unit trade unions, taking the form of voluntary participation of employees, and the expenses are mainly paid by individual employees. Generally, individual employees pay the mutual medical insurance premium for employees at one time. If the medical expenses borne by individuals exceed a certain amount, they can be reimbursed in proportion through the employee medical mutual insurance fund. Employee medical insurance mainly covers employees of small and medium-sized enterprises and their families who used to enjoy half-price medical treatment. As long as you participate in mutual medical insurance, you can enjoy the corresponding mutual medical insurance benefits according to regulations. Employee mutual insurance is an effective supplement to social insurance, which strengthens employees' awareness of self-protection and truly realizes good governance and benefiting the people.

"Mutual medical fund for trade union workers" means "mutual protection for workers". Workers' mutual assistance security is a kind of non-profit-making mutual assistance security activity with low premium, strong security, simple procedures, timely payment, standardized management, which is advocated and organized by the All-China Federation of Trade Unions.

Workers' mutual assistance is an effective way for trade unions to implement the send warm Project and help solve difficulties, aiming at giving full play to trade unions' rights protection function and promoting the development of social security. Its main task is to carry out mutual assistance activities related to the health, old age, illness, death, injury and disability of employees on the basis of self-financing and voluntary participation of employees.

Matters needing attention in medical mutual assistance for trade union workers:

1. On the basis of the original guarantee, the mutual medical fund for trade union workers has stronger guarantee and richer guarantee contents. Its basic framework is "three verticals and three horizontals", and * * * contains 12 specific safeguards. Among them, "three verticals" are three types of security projects: on-the-job hospitalization, particularly serious diseases, and accidental injuries. "Three horizons" are three levels: basic security level, enhanced security level and individual security level.

2. If the insured unit overpays, the excess shall be returned to the original account in principle. If the original account is a fiscal surplus account and other special reasons, it is necessary to provide the same account as the insured unit.

3. If there is a phenomenon that the insured unit receives less money, it can upload and submit relevant vouchers after making up the amount of less money.

Legal basis:

People's Republic of China (PRC) social insurance law

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.