The difference between overall medical insurance and individual medical insurance

1, with different functions: the overall account is mainly used for medical reimbursement, such as hospitalization, referral from different places, outpatient medical expenses such as chronic diseases or special diseases, and the personal account is mainly used for small expenses other than medical insurance reimbursement, such as purchasing drugs at designated pharmacies, seeking medical treatment at outpatient clinics, and paying after reimbursement.

2. The allocation of funds is different: most of the funds are allocated to the overall account, and a small part of the funds are allocated to the individual account. The transfer ratio between employee medical insurance pooling account and individual account is different, and the use scope of individual account is also different.

3. The rules of fund withdrawal are different: funds in the overall account cannot be withdrawn, but funds in qualified individual accounts can be withdrawn. If the insured dies, emigrates or resigns to work in other places, he may apply for withdrawing funds from the personal account of the medical insurance card.