1. What does the medical insurance pooling account mean? Medical insurance co-ordination account refers to the remaining part of the medical insurance co-ordination area after deducting the medical insurance premiums paid by the employer for employees into personal accounts. This part of the money is used to suggest the medical insurance pooling fund, which belongs to all insured persons and is managed by the social insurance agency in a centralized way, and is mainly used to pay the medical expenses incurred by the insured employees within the scope of medical insurance. The overall medical insurance fund shall be earmarked, and no unit or individual may misappropriate it. Second, how to use the money in the medical insurance pooling account? The money in the medical insurance co-ordination account can only be used when the insured person has a responsibility within the scope of medical insurance reimbursement and asks the medical insurance department to apply for reimbursement. If it is a daily pharmacy to buy medicine, outpatient treatment, etc., generally only the balance of medical insurance personal account can be used, and the money in the overall account cannot be used, let alone taken out. To put it simply, the medical insurance pooling fund is not the money of the medical insurance card, but the account used to settle the hospitalization reimbursement. In addition, when the actual medical insurance is reimbursed, there will be restrictions such as deductible line, capping line and reimbursement ratio, and not all expenses can be reimbursed by medical insurance. 3. What should I do if the medical insurance pooling account is frozen? The medical insurance card is frozen, generally because it is not paid on time, so you only need to pay the unpaid fees. The insured can contact the employer to understand the payment situation and pay the medical insurance fee to the tax department of the unit as soon as possible. If you confirm that medical insurance has not interrupted payment, you can go to the resident medical insurance service station or medical insurance center to inquire about the specific situation. As for the medical treatment during the overall freezing of medical insurance benefits, you can advance the medical expenses yourself first, and then go to the medical insurance center for manual reimbursement with invoices, original list, original and copy of medical records (including outpatient medical records and hospital discharge summary) and other related materials after the medical insurance benefits return to normal. If the payment is frozen due to the interruption, the medical expenses incurred during the period can only enjoy the medical insurance treatment if the interruption does not exceed 3 months. In addition, during the period of overall freezing of medical insurance benefits, you can still use the balance of medical insurance personal account to pay for going to the hospital.