Personal medical insurance account: refers to the private account. Medical insurance is divided into two accounts, personal account, and the money reflected in the medical insurance card can be used to buy medicines at designated pharmacies, pay outpatient expenses and pay the part of hospitalization expenses that the individual pays; The overall account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the overall account. At the time of medical treatment, show the medical insurance card to the designated hospital to prove the insured identity. At the time of checkout, the part paid by the individual will be paid by himself with the medical insurance card or cash, and the part reimbursed by the medical insurance will be settled by the medical insurance and the hospital, and the individual does not need to pay first and then reimburse. Personal account is mainly the basic medical insurance premium paid by individual employees; The basic medical insurance premium paid by the employer who is included in the individual account according to the regulations; Interest on the amount of personal account storage; Other funds incorporated into personal accounts according to law.

Legal basis:

Social Insurance Law of the People's Republic of China

Article 26 The treatment standards of 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.

Article 27 Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state, if the accumulated payment reaches the fixed number of years stipulated by the state when they reach the statutory retirement age; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

article 28 medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.

article 29 the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical trading units.