Can I use my own medical insurance for my family?

It depends on the situation.

The balance of the employee's personal medical insurance account can be used to pay for the personal burden of outpatient medical expenses in designated hospitals for family members. The new policy stipulates that the balance of the personal health insurance account can be used to pay for parents, spouses and children at designated pharmacies and designated hospitals.

It is worth noting that although not all types of medical insurance have personal accounts, "all basic medical insurance participants have a medical insurance card (social security card) or a national medical insurance electronic certificate". The medical insurance card (social security card) or the national medical insurance electronic voucher has the name, gender, ID number, **, social security number and other information of each of our insureds, and the implementation of "one person, one card", and the same as the ID card, only the real name of the person is used, and must be "special card exclusive". Therefore, only if the requirements and regulations are met, the funds in the personal account can be used to pay for the family's medical expenses that meet the requirements.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

The role of medical insurance is as follows:

1. It is conducive to improving labor productivity and promoting the development of production;

2. Adjust income differences and reflect social fairness;

3. An important guarantee for maintaining social stability;

4. An important means to promote social civilization and progress;

5. An important guarantee for promoting the reform of the economic system, especially the reform of state-owned enterprises.

Legal basis

Social Insurance Law of the People's Republic of China

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State.

Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state. Article 24: The State is to establish and improve a new type of rural cooperative medical system.

The management measures for the new type of rural cooperative medical care shall be stipulated by ***. Article 25 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 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 **. Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institution and the drug business unit.

The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.

How to pay for the medical insurance family account?

The user's electronic voucher needs to be activated, and at the same time, it also needs to be bound to the family account before he can use his own medical insurance for his immediate relatives. However, users who have successfully bound can use the electronic medical insurance card.

's family account, and give their own medical insurance accounts to their families. Users only need to show the electronic medical insurance certificate and swipe the card directly when they see a doctor and buy medicine.

That is to say, users who want to use the medical insurance family account need to activate and bind it first, and then use the code scanning device to scan the medical insurance *** and make the medical insurance payment. Medical insurance electronic vouchers.

It is the only identity certificate for all medical insurance policyholders to provide insurance online, and can currently purchase drugs in designated pharmacies and designated medical institutions.

Medical settlement, medical insurance account.

Inquiries, etc. <>

In general, after binding the medical insurance family account, you can use the family member's medical insurance electronic voucher. After activating the medical insurance electronic voucher, you can enter the [Supported Hospitals and Pharmacies] through the medical insurance electronic voucher page. When purchasing medicine and seeking medical treatment, you can show the electronic voucher and pay the relevant fees.

The health insurance card can be used by family members, but only for close relatives and limited scope. Close relatives include spouses, parents, children, siblings, grandparents, maternal grandfathers, maternal grandchildren, and maternal grandchildren.

On April 22, 2021, the General Office of the People's Republic of China issued the "Guiding Opinions of the General Office on Establishing and Improving the Outpatient Mutual Aid Guarantee Mechanism for Basic Medical Insurance for Employees". The opinions are clear that the personal account is mainly used to pay the out-of-pocket expenses incurred by the insured in the designated medical institutions or designated retail pharmacies within the scope of the policy. It can be used to pay for the medical expenses and hardship borne by the insured and their spouses, parents and children in designated medical institutions, as well as the expenses borne by individuals in the purchase of drugs, medical devices and medical consumables in designated retail pharmacies.

According to the relevant provisions of China's Civil Code, close relatives include spouses, parents, children, siblings, grandparents, grandchildren, and grandchildren.

Article 1045 of the Civil Code of the People's Republic of China.

Relatives include spouses, blood relatives, and in-laws.

Spouses, parents, children, siblings, grandparents, grandchildren, and grandchildren are close relatives.

Spouses, parents, children and other close relatives living together are remembrance family members.

Legal analysis: According to the provisions of medical insurance, you can only use it for yourself, not for others. But if you use your own account to buy medicine for your family, no one will care.

However, it is said that if you go for commercial insurance, the insurance company can retrieve your drug purchase records to analyze your health status or pre-existing diseases. It is possible to be denied insurance or denied compensation if the number of hands is good.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 2 The State shall establish a social insurance system such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, so as to ensure the right of citizens with lead disabilities to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.