Can employees' medical insurance families enjoy it?

Family members of employees' medical insurance can enjoy it.

The main ways for employees' family members to enjoy medical insurance are as follows: increasing family members, that is, employees apply for their families to be included in medical insurance through insured units or social security institutions; Reimbursement in proportion, family members according to the provisions of medical insurance, according to a certain proportion of reimbursement; Direct settlement, family members can directly use the employee medical insurance card to settle expenses when seeking medical treatment. The provisions on the use of employee medical insurance include the scope of use, methods, reimbursement ratio, limit, time, etc. Medical expenses incurred by employees in medical institutions shall be settled by their social security cards. The proportion and limit of reimbursement vary according to different regions and expense items, and the reimbursement time is generally within a certain time after seeing a doctor. The use process of medical insurance card includes handling, inquiring medical insurance information, holding a card for medical treatment, medical insurance settlement and account management.

Coverage of medical insurance:

1. The scope of participants in the basic medical insurance: it usually includes urban workers and urban and rural residents, and the medical insurance for employees is mainly aimed at on-the-job workers and retirees with fixed work units;

2. The scope of medical insurance for urban and rural residents: mainly for urban residents and rural residents without fixed jobs;

3. The scope of insured persons for serious illness medical insurance: to provide supplementary protection for medical expenses for major diseases for those who have participated in basic medical insurance;

4. Employees' medical insurance family members participate in insurance: some regions allow employees' medical insurance family members to participate in insurance and enjoy certain medical security, but the specific policies vary from region to region;

5. The scope of the new rural cooperative medical system: mainly aimed at rural residents, aiming at alleviating poverty caused by illness or returning to poverty due to illness.

To sum up, employees' medical insurance families can enjoy medical insurance through hanging, and they can be reimbursed or directly settled according to the prescribed proportion when seeking medical treatment. However, employees themselves need to follow the specific use regulations and procedures, including the scope of medical treatment, reimbursement ratio and limit, and complete the reimbursement process within the specified time. At the same time, the management of medical insurance card involves many links such as handling, inquiry, use and account management.

Legal basis:

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

Article 30

The following medical expenses are not included in the scope of payment of the basic medical insurance fund: (1) those that should be paid by the industrial injury insurance fund; (2) It shall be borne by a third party; (three) shall be borne by public health; (4) Go abroad for medical treatment. Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.