Is there an overall payment for employee medical insurance?

Whether to pay as a whole is to use the funds in the overall account to pay the relevant medical expenses of the insured; Account payment, that is, using the insured's medical insurance card to swipe the card at the pharmacy or clinic. Used for the behavior that happens when buying medicine at ordinary times. In some areas, part of the real-time settlement is coordinated, and the insured person does not need to pay in advance. In some areas, the insured pays in advance and then reimburses. Article 27 of the Social Insurance Law: If an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment reaches the number of years stipulated by the state, he will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits according to the state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state. 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. Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Legal objectivity:

Article 28 of the Social Insurance Law conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and shall be paid by the basic medical insurance fund in accordance with state regulations. Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.