What do employees' medical insurance and family mutual assistance mean?

Family mutual assistance in employee medical insurance refers to a policy in employee medical insurance system, which allows employees to share medical insurance resources and medical expenses with family members.

First, the concept and significance of employee medical insurance family mutual assistance

Family mutual assistance of employee medical insurance means that employees can share their own medical insurance resources (such as personal account balance, outpatient co-ordination quota, etc.) under the framework of employee medical insurance system. ) Pay their medical expenses with their families. The implementation of this policy is of great significance for reducing the economic burden of workers' families and improving the medical security level of family members. At the same time, it also helps to enhance employees' sense of trust and belonging to the medical insurance system and promote family harmony and social stability.

Second, the implementation of family mutual assistance for employee medical insurance.

The implementation methods of family mutual assistance for employees' medical insurance usually include the following aspects: First, employees need to apply to their units or social security departments to include family members in the scope of mutual assistance; Secondly, family members can use employee medical insurance resources to pay medical expenses when seeking medical treatment; Finally, employees and their families need to share medical expenses together to ensure the rational use of medical resources.

Three. Matters needing attention in family mutual assistance of employee medical insurance

When enjoying the family mutual aid policy of employee medical insurance, employees and their families should pay attention to the following points: First, ensure that family members have been included in the scope of mutual aid to avoid the situation that they cannot enjoy the policy; Secondly, rational use of medical resources to avoid waste and abuse; Finally, we must abide by the relevant regulations and procedures to ensure the smooth implementation of the policy.

To sum up:

Employee medical insurance and family mutual assistance is an important policy in the employee medical insurance system, aiming at reducing the economic burden of employee families and improving the medical security level of family members. In the process of implementation, employees and their families need to know the specific contents and implementation methods of the policy, pay attention to the rational use of medical resources, and abide by relevant regulations and procedures.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Article 26 provides that:

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Notice on Further Improving the Work Related to the Basic Medical Insurance for Employees (Ministry of Human Resources and Social Security Fa [2017] No.36)

It is clearly stated in the document:

All localities should actively promote medical insurance for employees and family mutual assistance, and allow employees to share personal account funds with family members to pay for medical expenses of family members. At the same time, it is necessary to strengthen supervision to ensure the rational use of medical resources and the smooth implementation of policies.