Legal Subjectivity: Medical insurance personal account refers to a special fund account established by medical insurance institutions for individuals participating in basic medical insurance and used to record personal medical insurance financing and reimburse personal medical expenses.

The full name of the medical insurance personal account is the Basic Medical Insurance Personal Account (Individual Medical Savings Account), or personal account for short.

Personal accounts are mainly used to record and store personal account funds, and are used for personal medical consumption according to regulations.

The main sources of personal account funds include: medical insurance premiums paid by individuals; a certain proportion of social medical insurance premiums paid by employers; some include personal account start-up funds paid by employers for individuals; and as the insurance period increases,

Interest income generated on personal account funds.

Personal account payment scope: usually used to pay specific medical expenses of the insured, including outpatient expenses incurred in designated medical institutions; drug purchase expenses in designated retail pharmacies; basic medical expenses for specific items of inpatient and outpatient services in designated hospitals, starting from the overall pool fund

Fees below the minimum payment standard shall be borne by the individual; fees exceeding the minimum payment standard shall be borne by the individual.

When insured persons use personal account funds to pay medical expenses, they must comply with the provisions on the scope of basic medical drugs, the scope of diagnosis and treatment items, the scope of medical service facilities and payment standards.

my country's basic medical insurance for urban employees is managed as a whole and is divided into two accounts, namely a general account and an individual account. The personal account here is the individual medical insurance account.

Legal objectivity: Article 74 of the "Social Insurance Law of the People's Republic of China" Social insurance agencies obtain the data required for social insurance work through business handling, statistics, and surveys, and relevant units and individuals should provide it in a timely and truthful manner

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The social insurance agency shall promptly establish files for the employer, completely and accurately record social insurance data such as persons participating in social insurance and payment, and properly keep the original vouchers for registration and declaration and the accounting vouchers for payment and settlement.

The social insurance agency shall promptly, completely and accurately record the personal rights and interests paid by individuals participating in social insurance and employer contributions, as well as the records of personal rights and interests such as social insurance benefits, and regularly send individual rights and interests record sheets free of charge.

Employers and individuals can inquire and check their payment and social insurance benefit records from social insurance agencies free of charge, and require social insurance agencies to provide social insurance consulting and other related services.