What is social security pooling?

Social security co-ordination refers to the unified collection, management, transfer and use of social security funds by social security agencies according to law. Endowment insurance funds are divided into basic endowment insurance pooling funds and individual account funds.

1. What do you mean by social security pooling?

Social security pooling is simply a unified pooling fund. When we pay social security, the money will be divided into two parts, one into personal account and the other into this social security co-ordination account. The money in this account can be reimbursed after the insured is hospitalized, and it is also the source of monthly pension after retirement.

The basic old-age insurance fund implements social mutual assistance, and the social security co-ordination is also collected and managed by the social security agency according to law, and it is used as needed when it meets the conditions, also to protect the living needs of the insured.

Second, how to use the money in the social security pooling account?

Of course, it is used according to actual conditions. After social security is paid, there will generally be two accounts, one is the overall fund account and the other is the personal account. Among them, the money in the personal account, whether used to pay for hospitalization expenses or to buy medicine in pharmacies, clinics and designated hospitals, can be freely controlled by the insured.

But the money in the overall account can't be used casually, and the money here is unified. When the insured has a medical accident, it can be reimbursed in the medical insurance co-ordination account. To put it simply, in fact, after the insured is hospitalized, the treatment expenses that need to be spent can be reimbursed by the medical insurance in social security to a certain extent, and the payment of this fee comes from the overall account.

Third, how to query the social security pooling account?

1. Check official website of Social Security Bureau. The social security bureaus in different cities are different in official website. You can directly search the local social security bureau online. There is a official website certification link. After entering official website, you can register a personal social security account, usually your own ID number. In other words, you can check the balance of medical insurance card and other insurance balances. The default password is 123456, or the last 6 digits of the ID number. If you don't remember, you can go to the local social security bureau to reset it;

2. Inquire through Alipay. A small partner with Alipay app installed on the mobile phone can open Alipay on the mobile phone, log in to the account, find "City Service" on the main page, and then find the social security query. Then click "Confirm Authorization" on the authorization page, and let Alipay help you retrieve relevant information. Click "medical insurance column-personal account" on the new page to fill in your own information, and you can see how much money is left on your medical insurance card;

3. Go to hospitals and pharmacies. When we register in the hospital, we can ask the staff to help us check the balance of the medical insurance card. We buy medicine at the drugstore, or we can ask the staff to check it for us.

Step 4 make a phone call. The customer service telephone number of Social Security Bureau is 12333. After checking personal information according to voice prompts, you can query the balance of personal medical insurance card and other social security items.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 12 of the Social Insurance Law of People's Republic of China (PRC)

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.