When the insured person goes to the designated medical institution for reimbursement after seeing a doctor, he will use medical insurance to make overall payment. Medical insurance accounts include individual accounts and overall accounts. The individual account will return all individual contributions and unit contributions according to the user's age every month, while the overall account will manage the funds of all medical insurance participants as a whole, which will be deducted when the insured person is reimbursed for medical insurance.

When users have malignant tumors or need emergency treatment, they can use the medical insurance fund. After the institution pays the medical insurance, the money in the overall account is used to calculate the basic pension for the insured. Even after all the money in the personal account is collected, the insured person can continue to receive the pension, mainly because of the overall account. Users can use the medical insurance pooling account during hospitalization and radiotherapy for malignant tumors. The outpatient medical expenses of taking anti-rejection drugs after renal transplantation are also included in the overall account, and the medical expenses of the same patient hospitalized after emergency rescue within seven days before hospitalization are also included in the overall account. Generally speaking, the medical insurance pooling account fund belongs to all insured persons and can be mainly used to reimburse the medical expenses, operation expenses and nursing expenses of the insured persons. As long as it meets the use situation, social security institutions will manage it centrally and use it uniformly. Moreover, the unit payment part enters the medical insurance pooling fund, which does not affect personal treatment. You can use it whenever you need it. The money in the medical insurance pooling account is used by the insured in the event of reimbursement for major diseases. Reimbursement needs to be treated in a designated medical insurance hospital, and treatment expenses can be reimbursed if certain conditions are met. When the type of outpatient service exceeds 2,000 yuan and the medical expenses such as diseases prescribed by medical insurance are reimbursed, the funds in the overall account can be used. Medical insurance refers to social medical insurance. It is a social insurance system that meets the basic medical needs of the state and society according to laws and regulations when workers are sick. The basic medical insurance system in China adopts the mode of combining social pooling with individual accounts. The basic medical insurance fund shall, in principle, implement municipal co-ordination. The basic medical insurance covers all employers and their employees in cities and towns; All enterprises, state administrative organs, institutions and other units and their employees must fulfill the obligation to pay the basic medical insurance premium. Pooling funds and individual accounts bear different responsibilities for payment of medical expenses. The overall fund is mainly used to pay for the hospitalization and outpatient treatment of some chronic diseases, and the overall fund has a minimum payment standard and a maximum payment limit; Personal accounts are mainly used to pay for general outpatient expenses.

Legal basis:

Interim Measures for the Administration of Designated Medical Insurance of Medical Institutions in People's Republic of China (PRC) Article 7 A medical institution shall submit an application for designated medical insurance to the agency in the overall planning area, and provide at least the following materials:

(a) the designated medical institutions application form;

(2) A copy of the practice license of a medical institution or the registration certificate of a Chinese medicine clinic or the service license of a military medical institution for the people;

(3) Internal management system and financial system that are compatible with the medical insurance policy;

(4) Information system related materials of medical institutions related to medical insurance;

(5) A forecast analysis report on the use of the medical insurance fund after it is included in the designated place;

(six) other materials provided by the provincial medical security administrative department in accordance with the relevant provisions.