1, the overall fund is a medical insurance fund managed by social insurance agencies to pay the medical expenses of the insured.

2. This payment method is applicable to the outpatient and inpatient medical expenses of the insured, and the specific reimbursement ratio and minimum payment standard may be different due to different regions and policies.

3. The sources of funds for the overall fund can include government financial allocation, social security funds and contributions from employers and individuals, which are managed by social insurance agencies. Personal account payment:

4. Personal account payment means that the insured uses the balance in the personal account to pay medical expenses.

5. The personal account balance mainly comes from the medical insurance premium paid by the insured.

6. If the personal account balance is insufficient, the insured may need to pay the expenses in cash.

7. The application scope of personal account payment is relatively small, which is usually limited to some medical expenses incurred in the process of medical treatment in designated hospitals or clinics, such as outpatient fees and medicine fees, and is limited by the balance of personal accounts. To sum up, pooling fund payment is a way of collective reimbursement of medical expenses, and personal account payment is an account established by individuals to pay medical expenses according to their own medical insurance contributions. There are some differences between them in the sources of funds, management methods, scope of application and reimbursement ratio.