The money in the medical insurance pooling account is used by the insured in the event of reimbursement for major diseases. Reimbursement needs to be treated in a designated medical insurance hospital, and treatment expenses can be reimbursed if certain conditions are met. When the type of outpatient service exceeds 2,000 yuan and the medical expenses such as diseases prescribed by medical insurance are reimbursed, the funds in the overall account can be used. Medical insurance includes pooling accounts and personal accounts, in which personal accounts are used to buy medicines and pooling accounts are used for hospitalization reimbursement.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

Legal basis: Article 27 of People's Republic of China (PRC) Social Insurance Law.

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state. Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.