How to withdraw the money from the account after retirement?

The money in the universal account of tax excellent health insurance after retirement should not be taken out directly, but it can be used directly. Take the people's livelihood tax excellent health insurance as an example, the money in the account can be used for two purposes: one is to use the money inside to buy other commercial insurance to protect your health after retirement; The second is to spend the money in the account directly as medical reimbursement expenses after getting sick ~