The differences are as follows: 1. Different time periods: the current balance is the balance remaining in the current year, and the balance over the past years is the balance accumulated over several years.

That is, the balance for the current year is the balance remaining from the expenses charged in the current year, and the balance over the past years refers to the balance accumulated from the balances in previous years.

2. Different scope of use: The money in the account that year can be used to pay for outpatient, emergency, pre-hospital first aid, and drug purchases at designated retail pharmacies.

The money in the account over the years can be used to pay for outpatient and emergency (including pre-hospital emergency) out-of-pocket medical expenses as well as the remaining medical expenses after payment from additional funds.

Medical expenses at designated medical pharmacies, medical expenses below the standard line for hospitalization, and medical expenses above the threshold that are borne by the individual, as well as medical expenses for outpatient serious illness and home hospital bed medical expenses that are borne by the individual.

The application scope of the account amount in the past years is wider, and any part that needs to be paid by the individual and the part that cannot be reimbursed by medical insurance can be used, but the scope of use of the current year's account amount is much narrower.

3. Different amounts: The balance of the account in previous years is higher than the account balance of the current year.

Extended information: Calculation method for personal account balances where the balance of the current year will be converted into balances of previous years: 1. Account of previous years = (total personal medical insurance payment for this year + amount of unit payment added to personal account - prepayment amount at the beginning of this year + account balance at the end of this year - deduction for the previous year

Amount reduction + current year’s medical insurance adjustment amount + other insurance transfer amount) × (1 + interest rate) 2. Current year’s account = next year’s prepaid monthly accounting amount × 12 + personal account unit payment part inclusion standard + [this year’s liquidation amount (

If the liquidation amount this year is a negative number) The specific example is as follows: Company employee Xiao Zhang has applied for basic medical insurance including outpatient coordinated benefits, and his payment base in 2012 is 2,000 yuan.

The company deducts 40 yuan from his personal salary to pay medical insurance premiums every month (the payment ratio for individuals participating in basic medical insurance is 2%). From May 2012 to April 2013, Xiao Zhang has paid a total of 480 yuan.

medical insurance premiums and have received a social security card through the company.

Reference: Baidu Encyclopedia - Medical Insurance Because Xiao Zhang seldom sees a doctor, on May 1, 2013, his personal account balance over the years has reached 1,000 yuan, so the medical insurance center deducted the 480 yuan he personally paid from his account funds over the years.

Withdrawn and transferred to his social security card financial account, Xiao Zhang has gone through the social security card financial account activation procedures at the bank.

On May 20, 2013, he withdrew the 480 yuan through the bank, and at the same time, the balance of his medical insurance personal account over the years became 520 yuan.