Legal Subjectivity: Medical insurance personal account refers to a special fund account established by medical insurance institutions for individuals participating in basic medical insurance and used to record personal medical insurance financing and reimburse personal medical expenses.

The full name of the medical insurance personal account is the Basic Medical Insurance Personal Account (Individual Medical Savings Account), or personal account for short.

Personal accounts are mainly used to record and store personal account funds, and are used for personal medical consumption according to regulations.

The main sources of personal account funds include: medical insurance premiums paid by individuals; a certain proportion of social medical insurance premiums paid by employers; some include personal account start-up funds paid by employers for individuals; and as the insurance period increases,

Interest income generated on personal account funds.

Personal account payment scope: usually used to pay specific medical expenses of the insured, including outpatient expenses incurred in designated medical institutions; drug purchase expenses in designated retail pharmacies; basic medical expenses for specific items of inpatient and outpatient services in designated hospitals, starting from the overall pool fund

Fees below the minimum payment standard shall be borne by the individual; fees exceeding the minimum payment standard shall be borne by the individual.

When insured persons use personal account funds to pay medical expenses, they must comply with the provisions on the scope of basic medical drugs, scope of diagnosis and treatment items, scope of medical service facilities and payment standards.

my country's basic medical insurance for urban employees is managed as a whole and is divided into two accounts, namely a general account and an individual account. The personal account here is the individual medical insurance account.