Medical insurance pays 300 yuan a month, and the balance is only 50 yuan.

Company contributions are included in the overall account, and personal accounts do not reflect the amount of the overall account. Only the part paid by the individual is included in the personal account, that is, 100 yuan paid by the individual is included in the personal account. Taking Zhengzhou as an example, the employee medical insurance premiums paid by employers and insured individuals constitute the employee medical insurance fund, which is divided into pooling funds and individual accounts.

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". Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation. Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds.

In short, subsidized medical insurance is medical insurance in which the insurance company pays the insurance premium to the insured by time, by day or by project according to the subsidy standard stipulated in the contract. Claims have nothing to do with actual medical expenses, and invoices are not needed. It is suggested that the reimbursement of medical expenses should be considered first when purchasing medical insurance, and then the compensation for losses caused by hospitalization can be considered. Only by consolidating the basic security and supplementing it on this basis can we add icing on the cake. People with adequate social insurance can give priority to subsidizing medical insurance when choosing medical insurance. Insurance principle In insurance, there is a question whether the compensation principle is applicable to health insurance. This problem cannot be generalized. The principle of compensation means that "the compensation obtained by the insured cannot be higher than its actual loss".