Overall account and personal account

Personal account refers to outpatient and emergency medical expenses, drug purchase expenses of designated retail pharmacies, medical expenses below the minimum deductible of the basic medical insurance pooling fund, and medical expenses that exceed the minimum deductible of the basic medical insurance pooling fund should be borne by individuals in proportion.

Overall account refers to hospitalization medical expenses, medical expenses within 7 days before hospitalization due to emergency rescue, outpatient medical expenses of chemotherapy and radiotherapy for malignant tumor, renal dialysis and taking anti-rejection drugs after renal transplantation.

In social security, the unit payment part and the individual payment part are divided, and the unit payment will enter the overall account and the individual payment will enter the personal account. For example, the pension insurance unit pays 20% of the employee's salary and enters the personal account. In medical insurance, the part paid by the unit will be set aside in the employee's personal account, which varies according to local regulations.

The money in the personal account belongs to the individual. In the old-age insurance, if an employee dies before retirement age, the personal account of the old-age insurance will be returned to the beneficiary. The money in the personal account of medical insurance is for personal use, which can pay the outpatient expenses, the part paid by the individual according to the social security medical regulations, and buy medicines. The total account is * * *. Therefore, the overall level of social insurance can be understood not only from the administrative level, but also from the adjustment range of the coverage population.

Personal accounts correspond to social pooling. The personal account mode is to put all the endowment insurance premiums collected into the personal account. When workers enter old age, lose their ability to work and leave the labor market, they will operate their income according to the accumulated amount and principal in their personal accounts and receive their own pensions.

laws and regulations

People's Republic of China (PRC) social insurance law

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

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