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[3] 中央公积金是一个完全积累的强制储蓄计划。55岁以下会员的个人账户一分为三，即普通账户、医疗账户和特别账户。普通账户的储蓄可用于住房、保险、获准的投资和教育支出；医疗账户用于住院费支出和获准情况下的医疗项目支出；特殊账户中的储蓄用于养老和紧急支出。55岁以后，其个人账户变更为退休账户和医疗账户两个。会员在中央公积金计划账户内的数额达到最低规定后，可以提取部分积蓄。
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