Legal analysis: the medical insurance account mainly receives the amount returned by the medical insurance center, and the amount inside can be used by swiping the card in the designated hospital or pharmacy of Changsha Medical Insurance Center, but generally it cannot be withdrawn; A savings account is the same as an ordinary savings card, which means it can be used as an ordinary savings card.

Legal basis: Article 28 of the Social Insurance Law of People's Republic of China (PRC) conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and shall be paid from the basic medical insurance fund in accordance with state regulations.