Medical insurance benefits include two aspects: first, the funds in the employee's personal account participating in employee medical insurance are shared with their parents, spouses, children and other family members, that is to say, the funds in the employee's personal medical insurance account are no longer limited to the employee's own use, but can also be used by the employee's relatives. Second, the general outpatient expenses that employees meet the requirements can be reimbursed through the overall fund.

Employee medical insurance consists of two parts: overall account and individual account. The pool of funds in the overall account belongs to all insured persons, and the funds in the account cannot be controlled by individuals, which is used to ensure the overall reimbursement treatment of the insured persons; Personal accounts are accumulated, and the funds are controlled by employees themselves to cope with possible medical risks in the future. It should be noted that after the implementation of employee medical insurance, the overall account needs to raise more funds for the reimbursement of employee outpatient expenses, so the medical insurance fund paid by the employer is no longer credited to the personal account, resulting in a decrease in the amount of money credited to the personal account.

Although the funds in the personal account are reduced, it does not mean that the insured will lose money. On the one hand, the basic medical insurance for employees includes the eligible general outpatient medical expenses of the insured into the medical insurance pooling fund, which expands the scope of outpatient reimbursement, so that employees can directly use the funds in the pooling account to reimburse outpatient expenses, and at the same time, the funds in personal accounts can be used to pay the medical expenses of relatives and supplement the inclusive medical reimbursement expenses, which improves the utilization rate of personal account funds.

Generally speaking, the promotion of medical insurance is the mainstream trend. At present, 3 1 provinces and cities have established and improved the medical insurance guarantee mechanism for local employees. However, according to the actual situation in various places, there are subtle differences in the proportion of payment, the minimum payment standard and the scope of protection. Medical insurance is closely related to medical insurance in our daily life, so employees should focus on the new changes in local medical insurance and improve the utilization rate of medical insurance accounts.