The medical insurance fund pays the money in the medical insurance account, the self-funded part is the money in the personal account of the medical insurance card, and the reimbursement part is the money in the medical insurance co-ordination account. Medical insurance accounts are divided into pooling accounts and individual accounts, and pooling accounts are collective accounts. Everyone is together, and the personal account is private. Everyone has a different story.

Medical insurance fund payment is medical insurance reimbursement. The insured who has paid the basic medical insurance shall, after the occurrence of the prescribed medical expenses, meet the conditions of medical expenses under the premise of meeting the scope of medical insurance reimbursement, and be paid by the social medical insurance pooling fund. For example, the medical expenses incurred by the insured in the hospital are 5000 yuan, of which 4000 yuan belongs to the insurance scope of medical insurance, so this 4000 yuan will be paid by the medical insurance pooling fund, and the remaining 1 000 yuan is the expenses that users need to pay themselves.

The medical insurance fund pays not the money deducted from the medical insurance card, but the money deducted from the overall account. The money in the medical insurance card is part of the individual contribution of employee medical insurance. It can usually be used for outpatient clinics and designated pharmacies, as well as expenses that need to be paid by individuals after completing medical insurance reimbursement.

Legal basis:

People's Republic of China (PRC) insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.