The balance of the medical insurance personal account means that the principal and interest in the personal account are owned by the individual and can be used to pay for minor illnesses, outpatient expenses, etc.

The funds for the basic medical insurance account mainly come from two parts, one is individual payment and the other is unit payment.

All individual contributions will be credited to personal accounts, while only part of unit payments will be credited to personal accounts.

The principal and interest in the personal account are owned by the individual and can be used to pay for minor illnesses, outpatient expenses, etc., so the balance of the basic medical insurance refers to this balance.

The remaining part of the unit's payment will go into the overall fund. The money in the overall fund is mainly used for serious illness or hospitalization expenses, so it is mostly used for reimbursement.

The overall fund and personal account are settled separately and do not affect each other.

1. Medical insurance pooling refers to the remaining portion of the medical insurance premiums paid by all employers in a certain pooling area for their employees after deducting them and transferring them to individual accounts.

2. The medical insurance overall fund belongs to all insured persons, is centrally managed by social insurance agencies, and is uniformly allocated and used. It is mainly used to pay medical expenses, surgical expenses, nursing expenses, basic examination fees, etc. incurred by insured employees.

The medical insurance pooling fund shall be stored and used exclusively for special purposes, and shall not be misappropriated by any unit or individual.

3. The overall planning fund includes: the remainder after deducting the total payment of all insured units in the overall planning area and crediting it to individual accounts; financial subsidies; social donations; bank interest; late payment fees, etc.

4. The medical insurance pooling fund belongs to all insured persons and is stored and used exclusively for special purposes. No unit or individual may misappropriate it.

The overall fund is mainly used for medical expenses such as hospitalization of insured persons, emergency rescue in non-designated hospitals, off-site referral (hospital), off-site placement, and special disease outpatient services.

5. The fees required for medical insurance are very low and can be widely accepted by units and the people. It allows the people to enjoy huge protection while reducing the pressure of purchasing; 6. The scope of medical insurance coverage is very wide, no matter what industry it is.

, No matter what position you are in, you can apply for basic medical insurance; 7. After the number of times users pay for medical insurance reaches a certain limit, they can enjoy the protection of medical insurance for a long time; 8. The fees paid for medical insurance, the conditions for application, and the services provided are all unified.

, there is no differentiation, and every user has equal rights.