The mutual medical insurance account is a pit

Mutual medical insurance is not necessarily a pit, but it is suitable for different people. The medical insurance mutual aid account can be used in the following ways:

First of all, the insured can go to the local social security agency with the medical insurance card/social security card to go through the formalities of medical insurance mutual aid account and transfer the balance of medical insurance personal account over the years. After completing the relevant procedures, families can use the medical insurance mutual account. For example, if parents buy medicine at a pharmacy, they can directly pay for the medicine with their children's medical insurance card.

It should be noted that the medical insurance mutual aid account is only applicable to the personal account balance of the medical insurance card over the years, that is, it can only be used to pay drugs, self-funded medical expenses, general outpatient expenses and so on. , but it cannot be used to reimburse hospitalization medical expenses and special outpatient expenses, otherwise it will be regarded as fraudulent insurance.

When consuming medical insurance, when consumer A takes his social security card or medical insurance electronic certificate to a designated medical institution outpatient clinic or a designated pharmacy for consumption, if there is a balance in A's personal account, the balance of A's personal account will be deducted first for this consumption; When the balance of A's medical insurance account is not enough, it will consume the "mutual aid" account.

Family mutual account consumption is only used to pay for personal account consumption, and consumption related to overall medical insurance benefits is not supported for the time being.