All the basic medical insurance premiums paid by the unit are included in the overall fund, which is an economic guarantee to improve the medical insurance fund of the whole society, that is, personal accounts can be used to pay the expenses incurred by the insured and their spouses, parents and children in designated medical institutions or retail pharmacies. It can also be used to pay for drugs, medical devices and medical consumables purchased by designated retail pharmacies according to regulations. In the future, the pooling fund will explore more individual contributions for their spouses, parents and children to participate in medical insurance for urban and rural residents, which is a new policy that benefits the people very much.