The medical insurance unit's transfer into the account means the monthly expenses paid by the unit and transferred into the personal account. According to the overall management, the basic medical insurance for urban workers in China is divided into two accounts, namely, the overall account and the individual account. The individual account here is the medical insurance personal account.

Personal account is mainly used to record and store personal account funds, and it is 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 the employer; Some include personal account start-up funds paid by employers for individuals; There is also the interest income of personal account funds generated with the increase of insurance years.