1. Personal account refers to a special fund account set up by medical insurance institutions for individuals participating in basic medical insurance to record their medical insurance financing and pay medical expenses;

2. Overall account refers to the remaining part of the medical insurance premiums paid by all employers for employees in a certain overall area after deducting personal accounts. That is to say, the funds in individual accounts can be used by individuals alone, while the funds in overall accounts belong to group insured persons, which are managed centrally and used uniformly by social insurance agencies.

The meaning of overall medical insurance payment:

When using medical insurance reimbursement, it is called medical insurance co-ordination payment. Unified management of medical insurance accounts, earmarking. Therefore, the overall fund belongs to all insured persons, and no unit or individual may misappropriate it privately.

The medical insurance pooling fund refers to the part of the medical insurance expenses paid by the employer. Part of the medical insurance fee paid by the employer is transferred to the personal medical insurance account, and the rest and interest become the overall fund. When the insured employee falls ill, the medical expenses within the scope of medical insurance can be reimbursed by the overall fund. The establishment of medical insurance pooling fund reflects social equity and is also conducive to reducing the burden on enterprises.

To sum up, an account with medical insurance as a whole is a medical insurance personal account, not everyone's. Generally, urban workers who are insured will have personal accounts, and the money in the personal accounts is the medical insurance expenses paid by individuals when they pay medical insurance. Employees who are insured on the job will have money transferred to their personal accounts every month if their insurance status is normal.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 24

The state establishes and improves the new rural cooperative medical system.

Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

Article 25

The state establishes and improves the basic medical insurance system for urban residents.

The basic medical insurance for urban residents combines individual contributions with government subsidies.

People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.