Personal accounts can be used by the insured for medical treatment and medicine purchase, and most of the accounts that enter the overall fund belong to all the insured.

Once the insured person has incurred medical expenses in medical insurance, the money in the enabled overall fund account will be reimbursed.

In addition, only when the insured is an employee's medical insurance will there be a personal account balance, while the urban and rural residents' medical insurance and the new rural cooperative medical system do not.