Can parents use their children’s medical insurance cards to see doctors?

Parents can use their children’s medical insurance cards to see doctors.

If the medical insurance family financial aid has been bound to the official website of the local social security bureau, parents can use the personal account balance of their children's medical insurance card over the years to pay for medicines purchased at designated pharmacies for basic medical insurance and to pay out-of-pocket medical expenses. etc., but parents still cannot use their children's medical insurance card pooling account to reimburse for hospitalization medical expenses, Class A drug expenses, etc. Otherwise, it will be regarded as fraudulent insurance.

The money in the medical insurance card can be withdrawn and used under the following three circumstances:

1. The use of the medical insurance card is terminated;

2. The insured person immigrates;

3. Relocation to other places.

Medical insurance is divided into the following five types:

1. General medical insurance. General medical insurance is the most extensive type of insurance liability among medical insurances;

2. Accidental injury medical insurance. Accidental injury medical insurance is mainly responsible for the medical expenses incurred by the insured due to accidental injuries.

3. Hospitalization medical insurance. The coverage of hospitalization medical insurance covers the insured’s medical expenses due to illness. Or medical expenses incurred when an accidental injury requires hospitalization;

4. Surgery medical insurance, which is a single medical insurance, only covers the medical expenses incurred by the insured due to surgery;

5. Special disease insurance, which is specifically designed to insure accidents when the insured suffers from specific diseases.

To sum up, in summary, employees should participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premiums in accordance with national regulations; individual industrial and commercial households without employees, Part-time employees and other flexible employment personnel who have not participated in the basic medical insurance for employees in the employer can participate in the basic medical insurance for employees, and the individual pays the basic medical insurance premiums in accordance with national regulations.

Legal basis:

Article 25 of the "Social Insurance Law of the People's Republic of China"

The state establishes and improves the basic medical insurance system for urban residents .

The basic medical insurance for urban residents combines individual contributions and government subsidies.

The government will subsidize the personal contributions required by people who enjoy the minimum living security, disabled people who have lost the ability to work, elderly people over 60 years old and minors from low-income families.