Personal account payment for medical insurance is not considered as self-funded.

Personal medical insurance account payment refers to individuals who participate in medical insurance for urban workers, and can use the funds in their personal medical insurance accounts to pay medical expenses if they meet the conditions. This part of the funds is paid by the unit and the individual every month, which is specially used for personal medical consumption. When the insured person spends money in a designated medical insurance pharmacy or hospital, if the expenses meet the requirements of medical insurance policy, he can pay directly with the funds in his personal account without having to pay for it himself. This means that the part paid by using the personal account of medical insurance is not self-funded, because these expenses are borne by the personal account part of the medical insurance fund.

Provisions on the use of personal medical insurance account:

1. Scope of application: Personal medical insurance account is mainly used to pay the outpatient expenses of individuals in designated medical institutions, purchase some medicines and medical services;

2. Payment restrictions: there are usually certain limits and scope restrictions on the use of personal accounts, and the excess may need to be paid at your own expense;

3. Balance processing: the balance in the account can be carried forward to the next year and will not be cleared;

4. Family * * * Enjoy: In some areas, family members are allowed to * * * enjoy the balance of personal accounts to pay for the medical expenses of family members;

5. Retirement policy: The policies for the use of personal accounts after retirement may be different, and some areas may increase the scope of use or increase the proportion of payment.

to sum up, personal account payment for medical insurance is a mechanism for urban workers to use the funds in their own accounts to pay medical expenses. These funds are paid by both individuals and units for personal medical consumption, and when used within the scope permitted by medical insurance policies, they are not regarded as self-funded, because the expenses are paid by personal medical insurance accounts rather than personal pockets.

Legal basis:

Article 82 of the Basic Medical Care and Health Promotion Law of the People's Republic of China

The expenses of basic medical services are mainly paid by basic medical insurance funds and individuals. The state raises basic medical insurance funds through various channels according to law, and gradually improves the mechanism for sustainable financing and adjustment of the level of protection of basic medical insurance. Citizens have the right and obligation to participate in basic medical insurance according to law. Employers and employees pay basic medical insurance premiums for employees in accordance with state regulations. Urban and rural residents pay basic medical insurance premiums for urban and rural residents in accordance with regulations.