1. Different owners: The owner of the medical insurance pooling fund is all the insured persons, and the owner of the personal account is the insured person himself.

2. The fund composition is different: the overall fund realizes fund economy, and the source is the medical insurance fees paid by each unit to employees; while the personal account funds mainly come from the fees paid by the insured persons themselves and part of the fees paid by the unit.

3. Different reimbursement scopes: Medical insurance overall payment is used to reimburse large expenses such as hospitalization medical expenses, special outpatient expenses, some chemotherapy, dialysis and other treatment expenses; while personal accounts are used to purchase medicines, outpatient expenses, and need to be borne by the individual after overall payment

Parts and other small fees.

What does medical insurance co-ordination payment mean? When we use medical insurance reimbursement, we use a co-ordination account to reimburse, which is called medical insurance co-ordination payment. The medical insurance co-ordination account is uniformly managed and dedicated funds are implemented, so the co-ordination fund belongs to all insured persons, any unit

Or individuals cannot appropriate it privately.

The medical insurance pooling fund refers to the portion of the medical insurance fees paid by the employer. Part of the medical insurance fees paid by the employer will be transferred to the individual medical insurance account, and the remaining part and interest will become the pooling fund. When the insured employee falls ill, within the scope of the medical insurance

Medical expenses within the period can be reimbursed by the overall fund.

The establishment of the medical insurance pooling fund reflects social fairness and is also conducive to reducing the burden on enterprises.

What is a medical insurance personal account? The medical insurance pooled account is a medical insurance personal account. Not everyone has a medical insurance personal account. Generally, those insured as urban workers will have a personal account. The money in the personal account is the personal account when paying for medical insurance.

For medical insurance premiums paid, if the insured employees are on the job and their insurance status is normal, money will be transferred to their personal accounts every month.

The money in the personal account can be used to buy medicines at designated pharmacies or hospitals, or to pay for the personally borne portion of outpatient or inpatient medical expenses.

If you want to check the balance of your personal medical insurance account, you can directly call the social security customer service hotline to check it. You can also check it at social security service centers and designated pharmacies. When buying medicine, you can see the account balance by using medical insurance payment.

Legal basis: Article 2 of the "Social Insurance Law of the People's Republic of China" The state establishes basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and other social insurance systems to protect citizens in the event of old age, illness, work-related injury,

The right to obtain material assistance from the state and society in accordance with the law in cases of unemployment, childbirth, etc.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical insurance and basic medical insurance for urban residents shall be implemented in accordance with national regulations.

Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.