What is the difference between medical insurance cash payment and fund payment?

The main difference between medical insurance cash payment and fund payment lies in the payment method and source of funds. Cash payment refers to the part of medical expenses paid directly by individuals, and fund payment refers to the part paid by medical insurance fund.

Details are as follows:

1. Cash payment usually refers to the expenses borne by individuals when providing medical services, such as personal account payment and self-funded part. This part of the cost is usually borne directly by the individual without going through the medical insurance fund.

2. Fund payment refers to the part borne by the medical insurance fund, which usually covers most of the expenses of medical services. This payment method is settled through personal medical insurance account and borne by the medical insurance fund paid by the government and individuals.

3. In practice, medical expenses are usually paid by medical insurance fund in advance, and the excess is paid by personal cash. In this process, the medical insurance fund has played a role in reducing the personal burden.

The effects of medical insurance payment methods are as follows:

1, the difference between cash payment and fund payment of medical insurance has a significant impact on personal economic burden. Fund payment reduces personal direct expenditure on medical services and reduces the risk of poverty caused by illness.

2. In addition, these two payment methods also reflect the social security function of the medical insurance system. Through the centralized use of funds, the risk burden and the optimal allocation of resources are realized.

3. For the government and medical insurance fund managers, it is the key to ensure the sustainability of medical insurance fund to allocate the proportion of fund payment and cash payment reasonably.

To sum up, the main difference between medical insurance cash payment and fund payment lies in the payment method and source of funds. Cash payment is the part paid directly by individuals, and fund payment is the part borne by medical insurance fund. These two payment methods have great influence on personal economic burden, social security function of medical insurance system and sustainable management of medical insurance fund. Reasonable use of these two payment methods can effectively reduce the financial pressure caused by personal illness, and at the same time ensure the rational use and long-term stability of medical insurance funds.

Legal basis:

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

Article 56

The social insurance fund consists of social insurance premiums, government subsidies and other funds belonging to the social insurance fund according to law. Social insurance funds are used to pay social insurance premiums such as basic old-age insurance, basic medical insurance, work injury insurance, unemployment insurance and maternity insurance according to law.