What is the role of medical insurance reform?

First, make full use of the funds in the personal account of medical insurance.

Employees' medical insurance has set up a personal account, which can be cashed back dozens of hundreds of yuan every month. Insured people can use it to pay outpatient fees, go to pharmacies to buy medicines and medical equipment. Before the medical insurance reform, I couldn't spend the money at home and couldn't bring it out. Seeing that the money in the medical insurance card is increasing month by month, I can't share it with my family, so I have to use my savings to pay for medical expenses. It's really a waste. After the implementation of the medical insurance reform, the insured can help their families pay when they see a doctor, and can make maximum use of medical insurance funds.

Second, help family members avoid the problem of illegal insurance.

Not everyone can participate in employee medical insurance. Some flexible employees and non-employees can only choose to participate in insurance as flexible employees or participate in medical insurance for urban and rural residents. Without a personal account, I can only spend money at home to see a doctor. Some people may have to choose to work in order to participate in employee medical insurance, but the insurance premium paid by doing so is very high.

Third, stimulate more people to participate in insurance and supplement the income of medical insurance fund accounts.

After medical insurance improves mutual assistance, the scope of treatment has been expanded, which is also a stimulus to those who are ready to join the insurance. They will take the initiative to choose employee medical insurance to participate. The more people who participate in the insurance, the more income the medical insurance fund will have, which improves the mutual assistance of medical insurance and benefits the national insured.

Fourth, increase other consumption of ordinary people and increase the income of many industries.

After the medical insurance personal account can be used by family members, the savings originally spent on medical treatment can be used for other consumption at home, and the economic pressure at home will also be reduced. For cities, when a large number of medical insurance funds bear the medical expenses of families, the money saved can be used for shopping and entertainment, and many industries will get this part of consumption income, which will effectively promote the growth of urban consumption power and economic upward.

However, here, I don't think we can be happy too early. Pay attention to the following two points when handing over personal medical insurance accounts to family members:

First, personal accounts have limited funds.

The money in the personal medical insurance account is not returned indefinitely. Most of them pay their own social insurance premiums. As we all know, there is less personal burden and more corporate burden. In terms of the proportion of medical insurance, the personal burden is only 2%, and the unit burden is 8%. Therefore, although the money in your personal medical insurance account can be used by your family, the money should be reduced, allocated and then spent, and not abused casually. Otherwise, when you want to use it when you are sick.

Second, don't lend your medical insurance card to others.

Mutual medical insurance means that the money in the personal account can be used to pay for the treatment of family members, not that the medical insurance card can only be used by the insured himself to register. Once it is found out after being lent out, it may face a fine or suspend the use of medical insurance cards. Don't confuse this concept, which will lead to the result that family members can't use it and can't use it in the future.