Pooled funds and individual account funds.

The employee medical insurance fund is formed by the simultaneous payment of contributions by the employer and the individual, and includes overall funds and personal account funds.

Among them, unit contributions form a unified fund, which is mainly used to reimburse the insured's hospitalization and outpatient medical expenses for major diseases.

The personal account fund is composed of individual payments and unit payments allocated in proportion, and is mainly used to pay for outpatient medical expenses in designated medical institutions and to pay for the purchase of medicines in designated pharmacies.