The medical insurance fund pays the money in the medical insurance account. The medical insurance fund actually pays the medical expenses paid by the medical insurance fund, not the money in the personal medical insurance account. The money in the personal medical insurance account is mainly used to pay for outpatient service, and the medical insurance fund pays for hospitalization and serious illness treatment. When the insured person needs hospitalization due to illness, he needs to pay a certain deposit first, and then the hospital applies for reimbursement to the medical insurance center according to the patient's condition and treatment. The medical insurance center will review the patient's condition and treatment as well as the local medical insurance reimbursement policy. After the audit, the corresponding medical expenses will be paid to the hospital. This part of the cost will be paid by the medical insurance fund, not the money in the personal medical insurance account. Medical insurance card, also known as social medical insurance card, is a voucher to record the basic information of the insured, such as name, ID number, date of birth, gender, nationality and household registration, and is used for medical settlement, identity identification and information inquiry. The medical insurance card is the carrier of the personal account of medical insurance, which is equivalent to an electronic passbook, and records the medical insurance payment of the insured and the use of funds in the personal account.