This paper analyzes the effectiveness of individual account in China s basic medical insurance scheme.

First, exercising individual account was helpful for propagation and mobilization of fund-raising.

The Effect of Inflation to the Gap of Personal Account Pension Fund and the Empirical Analysis of the Effect;

Analysis on property rights in inefficient operation for personal accounts of endowment insurance

This article will also point out some problems of the medical security system for these workers, such as the personal account is not effective, the level of security is too low, the right and the responsibility in enterprise additional medical insurance is not coordinate.

The common tendency in the international pension system reform is to establish personal accounts and transform to accumulation pension system.

Making the idle personal accounts full meanwhile preserving social pooling account,establishing private pension management system and appropriate risk management mechanism for increase system efficiency and control risk.

Through the study of literature and standard anlysis, found that the medical insurance for urban workers in controlling the cost of personal accounts and in accumulation is unsatisfactory.

And the establishment of basic individual endowment insurance accounts is key to the reform of Chinese endowment insurance system based on social planning with the individual accounts combined.

After a comprehensive study of the recent social endowment insurance system,we draw a conclusion that the core of the reform is the change of fundraising system,in which the introduce of individual accounts is its most important contents.