medical insurance is credited to a personal account instead of a bank card.

1. The funds in the medical insurance personal account are used for personal medical consumption;

2. The balance of medical insurance account is dedicated to medical expenses;

3. The funds come from the medical insurance contributions of individuals and units;

4. When you go to a designated medical institution for medical treatment, you can use the medical insurance card to pay part of the expenses;

5. The funds in the medical insurance personal account are dedicated to medical insurance.

Provisions on the use of personal medical insurance account:

1. Definition of personal medical insurance account: Personal medical insurance account refers to an account set up separately for the insured to record the medical insurance premiums paid by individuals and part of the funds paid by the medical insurance fund;

2. source of funds: the funds in personal accounts mainly come from individual contributions and part of the medical insurance premiums paid by the unit for individuals;

3. Scope of use: funds in personal accounts are generally used to pay for outpatient expenses, purchase some self-funded drugs, and pay some medical expenses that are not covered by medical insurance;

4. Balance handling: funds in personal accounts can usually be carried forward to the next year and will not be cleared because of annual replacement;

5. Withdrawal conditions: Under certain circumstances, such as retirement, unemployment, etc., the insured person can withdraw some funds from his personal account according to regulations;

6. Account inquiry: Insured persons can inquire about the balance and usage of personal accounts through medical insurance cards, social security bureau official website and self-service inquiry machines.

to sum up, medical insurance personal account is a kind of fund account specially used for medical consumption. Its funds come from medical insurance expenses paid by individuals and units, and medical expenses can only be paid by medical insurance cards in designated medical institutions, and the balance of the account is limited to medical insurance expenses, which is different from that of bank cards.

Legal basis:

Article 28 of the Social Insurance Law of the People's Republic of China

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.

article 29

the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical trading units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.