What is the meaning of the medical insurance virtual account

By the news (Reporter Chen Ruoxuan) recently, the Municipal Social Security Bureau, the Municipal Social Security Bureau of the city's agreement on the organization of the medical institutions held a virtual account of employee health insurance account to the real account of the work of the mobilization committee to ensure that on May 1, the real account of the model of health care insurance formally on-line.

It is understood that the virtual account mode, that is, the employee health insurance account funds stored in the social security fund, the participants to the agreement of the medical institutions to spend, the agreement of the medical institutions to advance funds and accounting, and then monthly in accordance with the actual amount of transactions (cumulative) and the Social Security Bureau of the settlement of the account funds. The actual account mode, that is, the social security bureau directly to the employee health insurance account into the participant's social security card special social security account, the participant consumption, the agreement of the pharmaceutical organization and the cooperative bank direct real-time settlement.

According to the Provincial Department of Human Resources and Social Security issued on May 16, 2016 "on the launch of the Guangdong Province social security card management information system employees basic medical insurance personal account of the provincial cross-border transaction function", from June 16, 2016, Guangdong Province, the implementation of employees' medical insurance personal account management of the municipalities at or above the prefecture level can be carried out through the provincial cross-border transaction function of social security card employees' medical insurance personal account of the province. Cross-location transactions. The amount of the individual account is directly transferred to the special account in the participant's social security card (not withdrawable), and then the participant can use the POS machine to pay for the consumption through UnionPay. At present, the province in addition to Shenzhen, Shantou, Shanwei employees health insurance personal account management implementation of virtual accounts, the other cities are implemented in the real account management, the realization of the province's cross-city transactions.

In order to realize the employee health insurance personal account within the province across the city transactions, the city at the end of 2016 to start the employee health insurance personal account virtual account to real account work. It is understood that, at present, the number of employees in our city health insurance about 700,000 people, health insurance personal account amount of about 1 billion yuan, the user population, involving a huge amount of money; real account mode is enabled, the city participants to the field, foreign participants to the city can realize the province's health insurance personal account transaction function, help to increase the use of the health insurance personal account; health insurance personal account will be managed by the social security to the participants of the self-management model to simplify the medical The settlement process of the organization.