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国务院《关于建立城镇职工基本医疗保险制度的决定》中,把“统账结合”作为我国建立城镇职工基本医疗保险制度的四项基本原则之一。将“统账结合”展开来说,具体包含了这样两项内容:首先,设立基本医疗保险基金的时候,将基金分为两部分。一部分是参保人员的个人账户,资金来源于参保人员个人缴费的全部及用人单位缴费的30%左右;另一部分是统筹基金,即用人单位缴费划入个人账户之后的剩余部分。其次,为个人账户和统筹基金划分了不同的支付范围,个人账户主要用于支付门诊或小额医疗费用、统筹基
In the Decision of the State Council on Establishing the Basic Medical Insurance System for Urban Workers, the “combination of all accounts and accounts” is one of the four basic principles for establishing the basic medical insurance system for urban workers in China. To “unite ”, specifically contains the following two elements: First, the establishment of the basic medical insurance fund, the fund is divided into two parts. Part of the insured personal accounts, funds from the insured personal contributions and the employer to pay all about 30%; the other part is to co-ordinate the fund, that is, the employer contributions into the personal account after the rest. Second, for personal accounts and pool funds divided into different payment range, personal accounts are mainly used to pay for out-patient or small medical costs,