The differences between medical insurance pooling fund and personal account are as follows:

1. Personal account refers to a special fund account set up by medical insurance institutions for individuals participating in basic medical insurance to record their medical insurance financing and pay their medical expenses;

2. The overall account is empty. This macro refers to the rest of the medical insurance premiums paid by all employers for employees in a overall planning area after deducting the personal accounts. That is to say, the funds in individual accounts can be used by individuals alone, while the funds in overall accounts belong to group insured persons, which are managed centrally by social insurance agencies and used in a unified way.

Article 23 of the Social Insurance Law of the People's Republic of China

Employees shall participate in the basic medical insurance for employees, and the employer and employees shall pay the basic medical insurance premium in accordance with the state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations. Article 24 The state establishes and improves the new rural cooperative medical system.

article 25

the state establishes and improves the basic medical insurance system for urban residents.

the basic medical insurance for urban residents combines individual contributions with government subsidies.

people who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people over 6 years old and minors from low-income families, etc. will be subsidized by the government.