First, can a family s medical insurance work hard for each other? Can a husband and wife use each ot

1. Can husband and wife use each other's social security cards No, no.

Social security cards can only be owned and used by the insured person. If you bind, you can, not all cities can implement the binding of the couple's social security card, only in a certain area.

Second, the application of the mutual card The family member association procedure is similar to "one person to participate in the insurance and the whole family shares", after the use of the medical insurance "family account" after the insured person is linked, the doctor only needs to swipe his or her own card, which is used to pay for the basic medical expenses of the general outpatient clinic and the local supplementary medical expenses paid by them when they are treated in designated medical institutions, but there is no need to fill in the form on the spot. The condition for outpatient use of individual account family members is that the authorized user has comprehensive medical insurance.

If the balance of the personal account is zero, or the personal account does not have comprehensive medical insurance, but has participated in other types of insurance in Shenzhen, the current association procedure for family members of the medical insurance personal account is for family members who have participated in medical insurance (such as migrant workers' medical insurance, children's medical insurance and hospitalization medical insurance) in Shenzhen. After completing the family member association process, the personal account can be used by one or more designated family members. If the insured person's health insurance card.

When it is authorized to be used by multiple family members, the order of use is in descending order according to the balance of the authorizer's personal account. After the family members of the personal account are linked, the authorized user only needs to swipe their social security card when seeking medical treatment. It is important to note that the condition for outpatient use of personal account family members is that the authorized user has a zero balance in the personal account or no personal account.

3. The role of the social security card.

1.personal social security related records, electronic vouchers and information inquiries, etc.;

2.Record the name, ID number, date of birth, gender, ethnicity, and place of household registration of the insured person.

and other basic information;

3.Check your pension, unemployment, medical, work-related injury and maternity insurance.

payment status; 4.You can go to the hospital with the card for medical treatment, settle the personal account of medical insurance, and buy medicine at the pharmacy;

5.Handle social security affairs such as medical care, unemployment, pension, work-related injury and maternity;

6.Enquire about pension insurance.

information such as the cumulative total amount of medical insurance;

7.Apply for a pension.

and other social security affairs, job hunting, unemployment registration.

Apply for unemployment insurance benefits.

Apply for vocational training, etc.

8.Used for identification.

Fourth, the social security card of the husband and wife can be used by each other. In short, the family member association procedure is similar to "one person participating in the insurance and the whole family sharing", after using the medical insurance "family account" after the insured person is linked, he only needs to swipe his or her own card to pay for the basic medical expenses of the general outpatient clinic and the local supplementary medical expenses paid by them when they are treated at the designated medical institution, but there is no need to fill in the form on the spot. There are two conditions that must be met to include a family member in the Participant Association:

First, although the scope of insurance is "all members of the family", including parents, spouses, children, etc., these family members must be insured persons who have participated in Shenzhen's medical insurance. Second, the accumulation amount of the medical insurance personal account must exceed the average monthly salary of on-the-job employees in the city in the previous year. The compensation in the account.

Let me start by telling you what is health insurance? There are two main types of medical insurance in the state, one is the rural medical insurance for urban and rural residents, which refers to the new rural cooperative medical care. The other is called urban employee medical insurance, which refers to the city's medical insurance, for example, if a person has a regular unit to pay him five insurances and one housing fund, then there is medical insurance in these five insurances, which belongs to the medical insurance of urban employees.

These two types of insurance, whether urban workers or urban and rural residents, are used to reimburse hospitalization expenses, but they will not pay you a lump sum of money because you are hospitalized or sick. Just for reimbursement. Therefore, the premise of reimbursement is that you need to have money in your own pocket to spend it in the hospital first, and then use invoices and other bills.

Get some back through a certain percentage, which is reimbursement. Each insurance can only protect oneself, whether it is a husband and wife or a parent, and children cannot use each other. But he usually has one of the five insurances and one housing fund in the city.

You have to take the test. The balance can be used for outpatient visits and medical insurance. Of course, in some cities, you can allocate the cost of insurance, and you can also buy medicine in pharmacies.

This is also a new regulation of the state. But you're talking about relatives using insurance for each other's reimbursement, so can't it be enough for a family to have one insurance if you say that? Do you still need everyone to buy it? Isn't it?

Medical insurance cannot be shared. Some time ago, it was said that the personal account of medical insurance can be used for mutual aid among family members. Therefore, the mutual aid of the medical insurance personal account does not mean that the medical insurance can be mutually beneficial.

A few days ago, it was reported in the news that medical insurance can be shared by a family, but it has not been fully implemented, and it has only been implemented in some provinces.

Legal Analysis: Yes. But there are conditions.

Husband and wife share medical insurance, which means that when the insured person uses the secondary account, he or she needs to go to the Municipal Human Resources and Social Security Service Hall to go through the recognition and transfer procedures, and provide the original and copy of the ID card and social security card, as well as the proof of immediate family relationship (household registration book, draft marriage certificate or certificate provided by the public security department, etc.). Both parties must be present to sign when handling the application, and when the key cavity base needs to be used, the insured person will directly swipe the card in the hospital with the social security card to pay.

Legal basis: Article 25 of the Social Insurance Law of the People's Republic of China The State shall establish and improve the basic medical insurance system for urban residents. The basic medical insurance for urban residents implements a combination of individual payment of Yuansen fee and ** subsidy.

Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **.

Legal analysis: The medical insurance card of the immediate family can be shared, but it can only be used to buy medicine and see outpatient clinics in designated medical institutions, and cannot be used for medical expense reimbursement. For example, parents can use their children's medical insurance cards to buy drugs at designated pharmacies, but if they use their children's medical insurance cards to reimburse hospitalization medical expenses, then it is a violation and insurance fraud, and they will be subject to certain penalties, including fines and suspension of online settlement of medical expenses.

In addition, repeated enjoyment of medical insurance benefits, taking advantage of the opportunity of medical insurance benefits to resell drugs, taking advantage of the opportunity of medical insurance benefits to accept cash or in-kind returns, or obtaining other illegal benefits are all insurance fraud.

Social medical insurance is a social insurance system established by the state and society in accordance with certain laws and regulations to provide basic medical needs for workers within the scope of protection,[1] undertaken by **, and enforced and organized by economic, administrative and legal means.

Social medical insurance consists of three levels: basic medical insurance, large-amount medical assistance, enterprise supplementary medical insurance and individual supplementary medical insurance.

Legal basis: Regulations of the People's Republic of China on Basic Medical Insurance for Urban Employees

Article 28 The personal account is used to pay for medical expenses outside the scope of the overall payment; If the personal account is insufficient to pay, the person shall be responsible for it.

Article 29 The medical expenses for hospitalization for serious illness** shall be paid in accordance with the following methods:

1) In principle, the minimum payment standard shall be controlled at 9-11 of the average annual social wage of employees in cities, counties and autonomous counties in the previous year.

2) In principle, the maximum payment limit shall be controlled at 3-5 times the average annual social wage of employees in cities, counties and autonomous counties in the previous year.

3) Medical expenses above the minimum payment standard and below the maximum payment limit shall be mainly paid by the overall plan, and a certain proportion shall be borne by the individual. Appropriate consideration is given to the proportion of medical expenses borne by retirees.

The scope of serious illness, the specific standard of the minimum payment standard and the maximum payment limit, and the proportion of medical expenses above the minimum payment standard and below the maximum payment limit shall be determined by the provincial people.

Article 30 Medical expenses below the minimum payment standard and above the maximum payment limit shall not be paid by the overall plan.

Legal Analysis: Husbands and wives can share health insurance cards. In short, the association procedure of Huaihuizhi family members is similar to "one person participating in the insurance and sharing the whole family", after using the medical insurance "family account" to associate the insured, they only need to swipe their own card to pay for the basic medical expenses of the general outpatient clinic and local supplementary medical expenses paid by themselves when they visit the designated medical institution.

Legal basis: "Detailed Rules for the Implementation of the Social Insurance Law of the People's Republic of China" Article 8 The medical expenses incurred by the insured persons in the agreed medical institutions shall be paid from the basic medical insurance in accordance with the provisions of the State if they meet the standards of the basic medical insurance drug list, diagnosis and treatment items and medical service facilities. If the insured person really needs emergency treatment or rescue, he or she can seek medical treatment and rescue in a non-agreed medical institution, and the scope of drugs that must be used for rescue may be appropriately relaxed.

The specific management measures for medical services for emergency and rescue of insured persons shall be formulated by the overall planning area according to the actual local situation.

Legal Analysis: Generally not. But some places can.

For example, the "family account" of Shenzhen medical insurance has been activated, and after the family members are bound, "one person participates in the insurance and the whole family shares", and only needs to swipe the card to pay for the basic medical expenses incurred when the designated medical institutions are located. Family members include spouses, parents, children, etc., provided that they must participate in Shenzhen social security. In addition, the accumulation amount of the medical insurance personal account must exceed the average monthly salary of on-the-job employees in the city in the previous year.

Other cities have not yet issued relevant regulations.

Legal basis: Social Insurance Law of the People's Republic of China Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and personal rights and interests records, and request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.