The difference between medical insurance pooling payment and personal account payment lies in the difference in use. There is a limit to overall payment, but there is no individual payment. Overall payment is to use the money in the overall account to pay the medical expenses of the insured; Personal account payment means that the insured person uses a personal account to pay for the negatively related medical expenses. Everyone's accounts are all composed of related medical insurance funds, and they are all paid together according to a certain proportion.

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1. Overall planning of medical insurance

Overall planning of medical insurance refers to the rest of the medical insurance premiums paid by all employers for employees in a co-ordination area after deducting them from personal accounts. The medical insurance pooling fund belongs to all insured persons, and is centrally managed and uniformly adjusted by social insurance agencies. It is mainly used to pay the medical expenses, operation expenses, nursing expenses and basic inspection expenses of the insured employees. The overall medical insurance fund shall be earmarked, and no unit or individual may misappropriate it.

2. What is the meaning of medical insurance co-ordination freezing?

Co-ordination freezing means that the insured person cannot enjoy hospitalization and special disease outpatient service, but can enjoy general outpatient service and purchase medicine, that is, he can't enter the co-ordination for the time being in hospital.

3. How to solve the overall freezing of social security cards

The overall freezing of social security cards is usually due to the employers or users' failure to pay social security in time, which is as follows:

① Social security for urban employees: users need to get in touch with the social security managers of the employers in time and pay back.

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