what's the difference between a medical insurance personal account and a pooling account? What does the balance of medical insurance personal account mean? I. What does the balance of personal medical insurance account mean? The balance of personal medical insurance account refers to the amount of storage in the personal medical insurance account of employees. Individuals who participate in medical insurance for residents do not have personal accounts. The balance of medical insurance personal account means that individuals can use it to see general outpatient clinics and buy medicines in designated medical institutions. Generally speaking, employers pay social security for employees according to laws and regulations, while the money paid for medical insurance premiums is paid by units and individuals. Some of the money paid by enterprises goes into the overall account, while some of the money paid by individuals goes into the personal account. Personal medical insurance 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 reimbursement of their medical expenses. The balance of personal account is usually used to pay the insured's specific medical expenses. Including outpatient expenses incurred by designated medical institutions; Drug purchase expenditure of designated retail pharmacies; In the basic medical expenses for specific items of hospitalization and outpatient service in designated hospitals, the expenses below the Qifubiaozhun of the overall fund shall be paid; The expenses that should be borne by the individual above the threshold. Second, what is the difference between personal account and overall account of medical insurance? According to overall management, the basic medical insurance for urban workers in China is divided into two accounts, namely personal account and overall account. 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. Overall account refers to the rest of the medical insurance premiums paid by all employers for employees in an 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. 3. Is there any money in the resident medical insurance card? There is no money in the resident medical insurance card. Because there is no personal account for residents' medical insurance, the fees paid are directly included in the overall account, so it will only be useful when the hospitalization or outpatient service reaches the medical insurance deductible line. The usual resident medical insurance card mainly records the detailed information of the insured, as well as the payment and reimbursement. And this is exactly the difference between residents' medical insurance and employees' medical insurance. Because employees' medical insurance has a personal account, the expenses paid by employees themselves will be transferred to the personal account of the medical insurance card. Therefore, there is money in the employee medical insurance card, which can be used when the insured goes to the designated medical institutions for outpatient treatment and to the designated retail pharmacies to buy medicine. As for the fees paid by the unit, they will directly enter the overall account. Although the premium of residents' medical insurance is low, its reimbursement ratio is lower than that of employees' medical insurance. Therefore, when you apply for social security, it is best to apply for employees' social security, so that you can enjoy better medical insurance reimbursement treatment.