first, the cash payment of medical insurance is to pay out of your own pocket.

second, the medical insurance fund pays the part of the medical insurance reimbursement, which is also the part of the medical insurance overall payment. Generally speaking, the premium collected by the basic medical insurance is included in the overall fund except for the employee's personal account according to the regulations, so as to pay for the insured's hospitalization, special disease outpatient service and other expenses. Simply speaking, the personal account fund is the personal disposable part, which is transferred to the employee's personal account according to a certain proportion according to the employee's payment base. The personal account fund is mainly used to pay the personal self-funded part of outpatient medical expenses, drug purchase expenses of agreed pharmacies and hospitalization medical expenses in designated medical institutions.

3. The expenses you pay can be divided into those outside the scope of medical insurance settlement and those within the scope of medical insurance settlement: the self-funded part (outside the scope of medical insurance): the reimbursement scope of non-basic medical insurance, and the medical expenses incurred by the insured himself and paid by individuals in cash. For example, Class C drugs (imported specific drugs) need to be purchased 1% by themselves. For example, the 6 yuan (hospital registration fee) you paid by WeChat before belongs to the self-funded part, and you need to pay directly. Within the scope of medical insurance:

1. Self-responsibility for classification: among some expenses paid by the basic medical insurance, the expenses paid by the insured person in cash according to the specified proportion or difference. This part is sometimes called "self-pay two" subjects, such as the 1% part of Class B drugs.

2. medical insurance fund payment: within the scope of medical insurance settlement, the part paid by medical insurance fund according to the policy is shown as "overall payment" or "additional payment" on the invoice.

3. Personal expenses: medical expenses within the scope of medical insurance settlement, after deducting "classified expenses", are paid by individuals according to medical insurance regulations. This part can also be called "self-pay one" or "conceit" subjects, such as the expenses below the deductible line, the personal commitment of the negative segment, and the personal commitment above the capping line. The sum of self-payment one and self-payment two can be called self-payment.