Aren't you a personal account for paying the medical insurance card now?

At present, the personal account of the medical insurance card is not without money, but is injected and used in accordance with the medical insurance policy and relevant regulations. First, the function and role of personal account of medical insurance card

Personal account of medical insurance card is an important part of medical insurance system, which is used to record personal medical insurance payment and medical expenses. The funds in the personal account can be used to pay for the insured's medical treatment and drug purchase in designated medical institutions, thus reducing the economic burden of the insured. At the same time, the existence of personal accounts also promotes the rational utilization of medical resources and improves the quality and efficiency of medical services.

Two. Source of funds for personal account of medical insurance card

The funds of personal account of medical insurance card mainly come from the medical insurance expenses paid by individuals and possible government subsidies. When individuals pay medical insurance fees, they will transfer some funds to their personal accounts for future medical expenses. In addition, the government will subsidize individual accounts according to the medical insurance policy to further improve the medical security level of the insured.

Three, the use and adjustment of medical insurance card personal account funds

With the continuous improvement and adjustment of medical insurance policy, the use of personal account funds of medical insurance card has also changed to some extent. On the one hand, the medical insurance policy encourages the insured to use personal account funds to pay outpatient expenses and drug purchase expenses to reduce the medical burden; On the other hand, in order to control the excessive growth of medical expenses, the medical insurance policy also restricts and adjusts the use of personal account funds. For example, some high-priced drugs and high-end medical services may be restricted to reduce medical expenses.

Four, how to query and manage the personal account of medical insurance card?

Insured persons can query and manage their personal accounts of medical insurance cards through various channels, such as official website of Medical Insurance Bureau, mobile APP, self-service inquiry machine and other channels to query personal account balance, payment records, medical expenses and other information. At the same time, the insured can also plan and use personal account funds reasonably according to their own actual situation to ensure the effective use of funds.

To sum up:

At present, the personal account of the medical insurance card is not without money, but is injected and used in accordance with the medical insurance policy and relevant regulations. The funds in the personal account come from the medical insurance premiums paid by individuals and possible government subsidies, which are used to pay the medical expenses of the insured. The insured can inquire and manage personal accounts through various channels, and plan and use funds reasonably. With the continuous improvement and adjustment of medical insurance policy, the role and function of personal account of medical insurance card will be further optimized and upgraded.

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. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

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

Article 27 provides that:

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.