The difference between fund payment and individual payment of medical insurance lies in the source of payment and settlement method.

1. payment source: the fund payment is to pay medical expenses from the medical insurance fund, and the personal account payment is to pay from the personal account balance.

2. Settlement method: the fund pays all the self-funded medical expenses, and then reimburses them to the designated hospitals and community health service centers, and pays by swiping the card or scanning the code in the personal account when seeing a doctor.