the balance of personal account of basic medical insurance refers to the accumulated balance of personal medical insurance account. The medical insurance company will allocate money to the medical insurance card at the end of each month according to a certain ratio between the payment salary and the age, if you personally don't pay or spend every month. Personal account funds will always be accumulated, that is, the balance is increasing.

Personal medical insurance account:

refers to the private account. Medical insurance is divided into two accounts, personal account, and the money reflected in the medical insurance card can be used to buy medicines at designated pharmacies, pay outpatient expenses and pay the part of hospitalization expenses that the individual pays; The overall account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the overall account. At the time of medical treatment, show the medical insurance card to the designated hospital to prove the insured identity. At the time of checkout, the part paid by the individual will be paid by himself with the medical insurance card or cash, and the part reimbursed by the medical insurance will be settled by the medical insurance and the hospital, and the individual does not need to pay first and then reimburse. Personal account is mainly the basic medical insurance premium paid by individual employees; The basic medical insurance premium paid by the employer who is included in the individual account according to the regulations; Interest on the amount of personal account storage; Other funds incorporated into personal accounts according to law.

for the basic medical insurance premiums paid by employers and individual employees, the social insurance agencies shall establish individual accounts for basic medical insurance (hereinafter referred to as individual accounts) and social pooling funds respectively. Individual accounts include all the basic medical insurance premiums paid by individual employees and part of the basic medical insurance premiums paid by the unit. Personal accounts are temporarily included in accordance with the following provisions: (1) For employees under the age of 35, they shall be paid 2% of their wages. 3% is included; (two) employees aged 35 and above and under 45, according to my payment of wages 2. 7% included; (three) employees aged 45 and above, according to my payment of wages 3. 5% included; (4) Retirees are included in 5% of their pensions. Among them, the monthly amount under 7 years old is lower than that in 6 yuan, which is included in 6 yuan; Those who are 7 years old or older and whose monthly amount is lower than that of 7 yuan are included in 7 yuan.

I hope the above contents can help you. If you have any questions, please consult a professional lawyer.

Legal basis:

Article 26 of the Social Insurance Law of the People's Republic of China

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 27

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits according to the national regulations if the accumulated payment reaches the fixed number of years stipulated by the state when they reach the statutory retirement age; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

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.

article 29 of the social insurance law

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, so as to facilitate the insured to enjoy the basic medical insurance benefits.