What does the medical insurance personal account mean?

Some friends may not know that there are actually two different accounts for medical insurance, one is a co-ordination account and the other is a personal account. So what is this personal account and what can the balance be used for? Next, let's talk about it together. What does the balance of medical insurance personal account mean? How to activate the medical insurance card account?

1. What does the balance of medical insurance personal account mean?

Personal account balance of medical insurance refers to:

The money and interest in the medical insurance account can be used to treat minor illnesses. The funds in the personal medical insurance account come from the user himself and his unit, which can clearly record the collection and use of the user's medical insurance funds. Users can also check whether the expenses paid by the unit are in place according to the personal medical insurance account. If not, they need to give timely feedback to the unit and reasonably urge it to bear corresponding responsibilities.

Medical insurance refers to social medical insurance. The basic medical insurance fund consists of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts; The basic medical insurance premium paid by the employer is divided into two parts, one part is included in the personal account, and the other part is used to establish the overall fund.

Second, how to activate the medical insurance card account

Bring my medical insurance card and ID card to the medical insurance card issuing bank to activate the medical insurance card. After activation, the account function of the medical insurance card can be used as usual.

The insured can use the password to swipe the card on the pos machine when purchasing drugs in designated medical institutions and retail pharmacies, but the balance in the medical insurance card cannot be extracted and transferred.

If the medical insurance card is accidentally lost, you can issue a letter of proof to the unit and confirm it with the seal of the medical insurance office. Then you can report the loss to China Bank Savings Office with your ID card, and go through the replacement procedures. You can get a new card after 7 days.

3. What does it mean to cancel the residents' medical insurance account?

Because China's urban and rural residents' medical insurance is integrated from the previous urban residents' medical insurance and the new rural cooperative medical system. Among them, the new rural cooperative medical system is mainly for farmers. At that time, an individual (family) account was established at the same time as the serious illness pooling fund was established.

This account is mainly used to pay for small outpatient expenses. However, because the funds in personal (family) accounts cannot be used for transfer, some of them are idle or even used for shopping. Moreover, due to the small amount of personal (family) accounts, some patients with chronic diseases will have problems such as insufficient funds in personal (family) accounts when they see a doctor.

However, you can rest assured that canceling the individual (family) account of residents' medical insurance will not reduce the medical insurance benefits of residents. Moreover, because of the cancellation of individual (family) accounts, the mutual aid function of the overall fund is more powerful, so the medical insurance benefits of residents will be improved. Not only do patients have fewer restrictions on diseases when seeking medical treatment in outpatient department, but also patients will not have the problem of insufficient funds through fund adjustment.

Legal basis:

People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in the event of old age, illness, industrial injury, unemployment and maternity. Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations. Twenty-third employees should participate in the basic medical insurance for employees, and the employer 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. Article 25 The state establishes and improves the basic medical insurance system for urban residents.

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

People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.