1. Personal accounts are used for:

(1) medical expenses for outpatient and emergency treatment;

(2) the cost of purchasing drugs in designated retail pharmacies;

(3) medical expenses below the minimum threshold of the basic medical insurance pooling fund;

(4) medical expenses that exceed the threshold of the basic medical insurance pooling fund and should be borne by individuals in proportion.

Second, the overall account is used for:

(1) medical expenses for hospitalization;

(2) The medical expenses of those who are under observation for emergency rescue and are admitted to hospital for treatment within 7 days before hospitalization;

(3) outpatient medical expenses of radiotherapy and chemotherapy for malignant tumor, renal dialysis and taking anti-rejection drugs after renal transplantation.

third, in social security, the unit payment part and the individual payment part are divided, and the unit payment part will enter the overall account, and the individual payment part will enter the individual account. For example, if the pension insurance unit pays 2% of the employee's salary, it will enter the individual account. In medical insurance, a part of the unit payment will be set aside in the employee's personal account (according to local regulations).

The money in the personal account belongs to the individual. In the old-age insurance, when an employee dies before retirement age, the personal account of the old-age insurance will be returned to the beneficiary. The money in the personal account of medical insurance is used by individuals, which can pay the outpatient fee, the part that the individual pays according to the social security medical regulations, and buy medicines, etc. The overall account is owned as * * *.

Extended information:

Internationally, the corresponding English term is "pooling", which is the concept of fund risk pool. Therefore, the overall level of social insurance can be understood not only from the administrative level, but also from the scope of adjustment covering the population.

Personal account: corresponding to overall social planning. Personal account mode means that all the collected endowment insurance premiums go into personal accounts, and when workers enter old age, lose their ability to work and leave the labor market, they will receive their own pensions according to the amount accumulated in personal accounts (principal+operating income).

this model has a certain incentive effect on workers, but it does not reflect the "law of large numbers", has no functions of mutual aid and risk sharing, and has great pressure on maintaining and increasing the value of funds. In specific institutional arrangements, this model is always associated with the completely accumulated financial model.

References: social security pooling account _ Baidu Encyclopedia Personal Account _ Baidu Encyclopedia