What is the meaning of personal account in medical insurance?

Hello, personal account is mainly the basic medical insurance premium paid by individual employees; The basic medical insurance premium paid by the employer included in the personal account according to the regulations; Interest on the amount stored in personal accounts; Other funds incorporated into personal accounts according to law. The principal and interest of the account are owned by individuals and can only be used for basic medical insurance, but can be carried forward and inherited according to the actual situation of the insured.

One or two types of medical insurance accounts

There are two kinds of medical insurance accounts, one is the overall fund account and the other is the individual account. Generally speaking, there are two types of accounts for employees' medical insurance, while residents' medical insurance only has a pool fund account and no personal account.

The overall fund account is the account that we usually use to settle when we reimburse for medical treatment. All the money in it belongs to the medical insurance fund pool. If you want to carefully investigate whether it belongs to an individual, it should be useless. It is a mutual aid model, that is, whoever needs it will use it, and if there is no need, it will not be used. We can't see the money in this account. What we can know from the hospital documents is how far it is from the deductible line and the capping line for reimbursement. However, we don't need to see the money in this account, as long as it meets the medical expenses, it can be reimbursed.

Second, the medical insurance settlement procedures

(1) Settlement procedures for inpatient and outpatient treatment of special diseases

Designated medical institutions shall submit the expense list, hospitalization list and related materials of patients discharged from hospital last month to the medical insurance agency before 10 every month, which will be used as the basis for monthly pre-allocation and year-end final accounts after examination. The medical insurance agency pre-allocated the hospitalization and outpatient expenses for special diseases last month.

Insured persons who have been identified as suffering from special diseases shall go to the designated medical institutions designated by the labor and social security departments for medical treatment and medicine purchase, and the medical expenses incurred shall be directly recorded and settled immediately.

(2) Emergency settlement procedures

The medical expenses incurred by the insured due to emergency rescue to non-designated medical institutions in the city and medical institutions in different places shall be paid in advance by individuals or units. After the emergency rescue, the medical insurance agency shall handle the reimbursement procedures according to the provisions with the emergency hospitalization medical records, inspection, laboratory test sheets, invoices and detailed list of medical expenses.

(three) resettlement procedures for resettlement personnel in different places

1. The personnel resettled in different places shall be designated as the designated medical institution of 1-2 by the unit to which they belong, and shall be reported to the medical insurance agency for the record.

2. The medical expenses incurred by the off-site staff in the outpatient department of the designated medical institution where the disease occurs at the place of residence shall be paid in advance by themselves or their units. After the treatment, the unit shall settle the diagnosis and medical records, effective expense bills, compound prescriptions and hospitalization expense lists of the insured. Go to the social medical insurance agency on the specified date.

(4) Referral and settlement.

1. If the insured person is transferred to other medical institutions for diagnosis and treatment due to the conditions of designated medical institutions or specialized diseases, the approval form for referral and transfer shall be filled in. The reason for referral and transfer is put forward by the attending physician, the director of the department puts forward the opinion of referral and transfer, the medical institution medical insurance office reviews it, the dean in charge signs it, and it can be transferred only after being reported to the municipal medical insurance center for examination and approval.

2. In principle, referrals should be made outside the city, inside the province and outside the province. The city's referral regulations are carried out between designated medical institutions. The referral outside the city is proposed by the designated medical institutions above Grade III in this Municipality.

3. The medical expenses incurred after the insured person is referred to another hospital shall be paid by the individual or unit in cash. After the medical treatment, the insured person or his agent will submit the referral approval form, medical record certificate, prescription and valid documents to the medical insurance agency for reimbursement of hospitalization expenses that fall within the scope of the overall fund payment.