The total amount of medical insurance allocated refers to the total amount of medical insurance expenses allocated by medical insurance institutions for insured persons each year. This is usually calculated based on factors such as the personal salary, form of insurance, and number of years of payment of the insured person.
The exact calculation of the total amount allocated by health insurance may vary by region and policy. Generally speaking, the total amount of medical insurance allocation is determined according to the individual contribution base and contribution ratio of the insured person. The contribution base is usually the average monthly salary of the previous year, and the contribution rate varies according to different forms of participation and regions.
In addition to individual contributions, employers will also pay medical insurance premiums for employees. The medical insurance fees paid by the unit are usually included in the overall planning**, which is used to pay for the inpatient medical expenses and special outpatient expenses of the insured.
It should be noted that the total amount allocated by medical insurance is not the actual medical expenses paid, but the medical insurance prepared by the medical insurance institution for the insured person**. If the insured person incurs medical expenses in accordance with the regulations in the actual process of medical treatment, the medical insurance institution will reimburse according to the relevant policies.