Can family account enjoy overall planning of medical insurance and how to use it?

Can family account enjoy overall planning of medical insurance and how to use it?

Family account can enjoy overall planning for medical insurance. Family account mainly refers to family account, which is mainly used to realize the function of * * * * economic medical expenses among family members. The establishment of family economic accounts means that family members can use the balance of personal accounts to pay for medical expenses, and they can be used across regions. As long as one family member participates in the basic medical insurance, other family members can join the family economic account, thus realizing the economic benefits of * * *.

In the medical insurance family account, family members can use medical insurance personal account funds, including personal account balance and overall fund. In other words, the funds in the medical insurance family account can be used to pay for my own medical expenses, and can also be used to pay for the medical expenses of family members. However, it should be noted that the funds in the medical insurance family account cannot be used to buy items other than medicines.

To use the pooling fund in the medical insurance family account, you need to go through relevant procedures at the local social security bureau to bind the medical insurance relationship of family members. After the binding is successful, you can show your medical insurance card or social security card when you see a doctor, and you can use the funds in the medical insurance family account to pay.

The use of medical insurance family account is as follows:

1. Binding family account: Insured persons need to bind family members' information with their own medical insurance accounts, which can be done through national medical insurance service platform APP, electronic social security card and other channels.

2. Create a family * * * economic network: the insured can create a family * * * economic network through the national medical insurance service platform APP or electronic social security card, and join the bound family members in the * * * economic network.

3.*** Payment: When family members need to use the * * * account to pay medical expenses, they can make * * * payment through the national medical insurance service platform APP or electronic social security card. * * * When making economic payment, I will give priority to the balance in my personal account, and then use the balance in my * * * economic account to pay the insufficient part.

To sum up:

Family account can enjoy the overall planning of medical insurance, and family members can use the funds in personal accounts of medical insurance, including the balance of personal accounts and the overall planning fund. To use the overall fund of medical insurance in family account, you need to go through the relevant formalities at the local social security bureau, bind the medical insurance relationship of family members, and then show your own medical insurance card or social security card for payment when you see a doctor.

Legal basis:

Article 33 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the basic medical insurance for employees, the basic medical insurance for urban residents and the new rural cooperative medical system shall establish medical insurance funds, and the system of combining social pooling with individual accounts shall be implemented. The medical insurance fund consists of medical insurance premiums paid by employers and individuals and government subsidies. The medical insurance fund shall be earmarked and accounted for separately, and shall not be misappropriated, and shall be subject to the supervision of the financial and auditing departments.

Article 25 of the Regulations for the Implementation of the Social Insurance Law of People's Republic of China (PRC) stipulates that employees' basic medical insurance, urban residents' basic medical insurance and the new rural cooperative medical system personal account funds can be used to pay the medical expenses that meet the requirements for themselves and their family members in designated medical institutions. Personal account funds are insufficient to pay, paid by individuals. At the same time, the regulations also stipulate that family members include spouses, children, parents and other close relatives.