The difference between medical insurance account and personal account

Medical insurance account is the general name of medical insurance account, including overall account and personal account. The overall account is managed and used by the medical fund in a unified way, which mainly solves the medical reimbursement problem of the insured person who is hospitalized. Personal accounts are accounts controlled and used by individuals. Every month, the money from the medical fund into the personal social security card will always belong to the individual. It can be used to buy medicine in designated pharmacies, see a doctor in a hospital outpatient clinic, pay self-funded medical expenses after reimbursement from the fund, and pay the initial hospitalization expenses.

Medical insurance account is the general name of medical insurance account. Anyone who pays medical insurance, whether you pay employee medical insurance or resident medical insurance, will have a medical insurance account. Personal accounts are medical insurance accounts, and medical expenses belong to accounts controlled and used by individuals, generally referring to medical expenses in personal social security cards. Due to the implementation of the second-generation social security card, the past medical insurance card has stopped being used, so there is no name of medical insurance card now, which is called social security card for short.

What items does medical insurance reimbursement include?

The classification of medical insurance reimbursement and the items included are as follows:

1, general medical insurance. It mainly includes outpatient expenses, medical expenses and inspection expenses.

2. Hospitalization insurance. Mainly the daily hospitalization expenses, hospital equipment use expenses, operation expenses, medical expenses and so on.

3. Surgery insurance. Provide all expenses incurred due to the patient's need for necessary surgery.

4. Comprehensive medical insurance. Its cost range includes all expenses such as medical treatment, hospitalization and surgery.

5. Special disease insurance. Some special diseases often bring disastrous expenses to patients, which ordinary families can't bear. Such as cancer and heart disease. The major diseases that provide protection for the insured can be single diseases, such as malignant tumors, or even some cancers in malignant tumors.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.