What do personal accounts and health accounts mean?

1. Different objects: health accounts are flexible and can be applied to themselves, parents, spouses, children, etc. And personal accounts are only for your own use, and others can't use them. 2. Off-site: Health accounts can be used in any pharmacy that can swipe medical insurance cards, and can also be used for drug purchase settlement in hospitals, while personal accounts can only be used for hospital settlement. 3, the amount is different: the cost of health account is low, so the payment amount is also low, while the amount used in personal account is relatively large, so the payment amount is relatively large.

Health account refers to a comprehensive health sub-account, that is, a fund account set aside from the actual balance of the insured's personal medical account for comprehensive health protection among himself, his parents, children and his spouse.

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

This model has a certain incentive effect on workers, but it does not reflect the "law of large numbers", has no function of mutual assistance and risk sharing, and has great pressure on capital preservation and appreciation. In specific institutional arrangements, this model is always associated with the completely accumulated financial model.