Personal account refers to the medical account fund used by the insured employees personally, which is mainly used to pay the medical expenses incurred in outpatient service, and can also be used to offset some personal burdens that enter the overall payment, but it is not allowed to withdraw cash, overdraw or overspend. On-the-job employees' personal accounts are based on the total wages of individuals in the previous year, and are included in different proportions of employees' ages, including 3% under 35 (including 35 years old), 3.2% between 36 and 45 years old (including 45 years old) and 3.5% over 46 years old; Retirees are included in 3.8% of their basic pension (retirement fee) in the previous year.

After the medical insurance premium paid by the employer for the employees is transferred to the personal account, the rest is the social pooling medical fund. The overall fund is centrally managed and used by the medical insurance agency. It is mainly used for medical expenses of employees' hospitalization and outpatient special diseases that can be regarded as hospitalization.