Legal analysis: overall payment is to use the funds in the overall account to pay the relevant medical expenses of the insured; Account payment, that is, using the insured's medical insurance card to swipe the card at the pharmacy or clinic. Used for the behavior that happens when buying medicine at ordinary times. In some areas, part of the real-time settlement is coordinated, and the insured person does not need to pay in advance. In some areas, the insured pays in advance and then reimburses.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.