For serious illness or hospitalization expenses. For payments that are not recorded in the account, you need to enter the overall fund. Co-ordination fund means that all units pay part of the fees in a public fund, and then pay the funds from this unified co-ordination fund to the insured who need to enjoy the treatment. Personal accounts are mainly used for minor illness or outpatient expenses, and pooling funds are mainly used for serious illness or hospitalization expenses. The purpose is to clarify their respective responsibilities, to avoid the overall fund overdraft personal accounts, and to facilitate management. All insurance funds are managed separately, that is, each insurance has its own overall fund.