1, the difference between names. Personal account balance and health account balance have different names and accounts, and the sum of them is the real amount of social security card;
2. The scope of use is different. The balance of health accounts is widely used, and pharmacies can also buy medicines; Personal account balance has a narrow purpose and can only be used in hospital outpatient or hospitalization;
3. Use flexibility differences. Although the balance of health accounts can be used in pharmacies and hospitals at critical moments, the balance of personal accounts does not have this flexibility, and it will be wasted if it is not used up in hospitals;
4. Difference of payment amount. The distribution of personal account balance and health account balance is different because of different social security regulations in different places, and the number of personal account balances is more.
The scope of personal account payment is usually used to pay the insured's specific medical expenses, including outpatient expenses incurred by designated medical institutions; Expenditure on drug purchase in designated retail pharmacies. In the basic medical expenses for specific items of inpatient and outpatient services in designated hospitals, the expenses below Qifubiaozhun shall be co-ordinated. Exceeding the minimum threshold, the expenses that should be borne by individuals. The insured person's use of personal account funds to pay medical expenses shall conform to the provisions of the scope of basic medical drugs, the scope of diagnosis and treatment projects, the scope of medical service facilities and payment standards.
Legal basis:
People's Republic of China (PRC) social insurance law
Twenty-sixth 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. Seventy-fourth social insurance agencies through business handling, statistics, investigation and other means to obtain the data needed for social insurance work, the relevant units and individuals should provide timely and truthful.
The social insurance agency shall establish a file for the employer in a timely manner, completely and accurately record the social insurance data such as personnel's participation in social insurance and payment, and properly keep the original vouchers for registration and declaration and accounting vouchers for payment and settlement.
The social insurance agency shall timely, completely and accurately record the individual's personal rights and interests such as social insurance payment, employer's payment and social insurance benefits, and regularly send the personal rights and interests records to me free of charge.
Employers and individuals can inquire and check the records of payment and social insurance benefits from social insurance agencies free of charge, and ask social insurance agencies to provide social insurance consultation and other related services.