Legal analysis: There are two accounts for medical insurance, namely, the overall account and the individual account. Among them, the medical insurance expenses paid by the unit for employees will be put into the overall account, which is mainly used for underwriting serious illness or hospitalization expenses. Medical insurance fees paid by individuals will be put into personal accounts, and the balance of principal and interest in personal accounts is owned by individuals, which can be used to pay for minor illnesses, outpatient expenses, etc., so the balance of medical insurance refers to this part of the balance.

legal basis: social insurance law of the people's Republic of China

article 2 the state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in case of old age, illness, industrial injury, unemployment and maternity.

article 26 the treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

article 28 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.