Can I use my family s health insurance card to see a doctor?

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.

You can only use your health insurance card if you have a health insurance card.

1. Scope of use of medical insurance card: When insured employees seek medical treatment and purchase drugs in designated hospitals and pharmacies, they can use the card on the POS machine with the password, but they cannot withdraw cash or transfer money.

2. Inquiry of the balance of the medical insurance card: The insured employees can inquire about the balance by dialing **, or they can inquire at the savings office of the Bank of China or the designated hospitals and pharmacies in the urban area. You can also go online and log in to the social security inquiry system.

3. Medical insurance card transaction inquiry: Insured employees can go to the savings office of Bank of China to print the transaction records of medical insurance cards with their ID cards and medical guarantees, including the allocation records and consumption records of personal account funds. If you have any questions about the transaction records, you can go to the Retail Business Department of Bank of China to make inquiries.

4. Medical insurance card password: If the insured employee changes the password, he or she can call ** to change it, or he can go to the Bank of China Savings Bank with his ID card to change it. If the insured employee forgets the password, he or she can report the loss of the original password and change the password at the Bank of China Savings Bank with his ID card.

5. Custody of medical insurance card: Insured employees should take good care of their medical insurance card, if they are accidentally lost, please immediately go to the unit to issue a letter of certification and go to the medical insurance office to seal and confirm, and then take the ID card to the Bank of China savings office to report the loss, and go through the procedures for replacing the card, and you can receive a new card after 7 days.

"The medical insurance card is divided into two accounts, namely the personal account and the overall account, among them, the money in the personal account of the medical insurance card, in the place where the medical insurance family mutual aid has been implemented, can be shared with the family to use the money of the personal account over the years, that is, if you want to buy medicine for your parents in designated medical institutions, see general outpatient clinics, etc., you can use the balance of the personal account of the medical insurance card over the years to pay by card; However, the medical insurance card account cannot be shared with family members, for example, the hospitalization medical expenses incurred by the parents who are sick and hospitalized cannot be reimbursed by the children's medical insurance card pooled account. ”

Legal analysis: The medical insurance card can be used by parents or immediate family members, but the overall function of the medical insurance card cannot be used by family members. The so-called co-ordination function refers to the amount paid by the medical insurance department when the hospital pays for medical treatment.

This benefit can only be enjoyed by those who have a medical insurance card.

Legal basis: Social Insurance Law of the People's Republic of China

Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.

Generally, you can't use your family's health insurance card to see a doctor.

The medical insurance card can only be used by the person seeking medical treatment and cannot be lent to others. If the insured person hands over his medical insurance card to others to use, once the maximum annual payment limit is exceeded, the person concerned will not be able to enjoy the medical insurance reimbursement treatment when he or she becomes ill again.

You can swipe your family's health insurance card in the following situations:

The outpatient medical expenses and inpatient medical expenses incurred by the insured and their family members in the designated medical institutions shall be paid by the individual according to the provisions (including the self-paid part of the medical expenses beyond the scope of basic medical insurance, the scope of diagnosis and treatment items, and the scope of medical service facilities), and the expenses for special examinations and special expenses that should be borne by the individual during outpatient or hospitalization.

Criteria for the inclusion of medical insurance personal accounts:

1) The basic medical insurance premiums paid by the individual employees are fully transferred to their personal accounts (i.e., on their social security cards);

2) The basic medical insurance premiums paid by the employer shall be transferred to the personal accounts of employees and retirees in the following proportions:

Employees under the age of 10 shall be included according to the payment base of their basic medical insurance;

Employees aged to 44 years old shall be included according to the payment base of their basic medical insurance;

Employees over the age of 10 shall be included according to the payment base of their basic medical insurance;

4. Retirees shall be classified according to 4% of the per capita contribution base of the in-service employees of the unit.

There are three main aspects of the use of the medical insurance card:

1. For drug purchase: When the insured person buys medicine in the designated pharmacy, he can use the medical insurance card to pay.

2. For reimbursement: If you go to the hospital to see a doctor, whether it is outpatient or inpatient, and reach the minimum payment line of medical insurance and are within the scope of medical insurance reimbursement, you can use the medical insurance card for reimbursement.

3. For medical treatment: When the participants are sick, they can use the medical insurance card and medical insurance handbook to go to the designated hospital** for treatment.

Legal basis

Regulations on the Supervision and Administration of the Use of Medical Security** Article 41 If an individual has any of the following circumstances, the administrative department for medical security shall order corrections; If the loss of medical security is caused, it shall be ordered to be returned; If it belongs to the insured person, the online settlement of medical expenses shall be suspended for 3 months to 12 months

1) Giving one's medical security certificate to another person for use in a false name;

2) Duplicate enjoyment of medical security benefits;

3) Taking advantage of the opportunity to enjoy medical security benefits to resell drugs, accept the return of cash or goods, or obtain other illegal benefits.

An individual commits one of the acts provided for in the preceding paragraph for the purpose of fraudulently obtaining medical security**, causing a loss of medical security**; or using another person's medical security certificate to seek medical treatment or purchase medicine in a false name; or through forgery, alteration, concealment, alteration, destruction of medical documents, medical certificates, accounting vouchers, electronic information and other relevant materials or fictitious medical service items, etc., to defraud medical security expenditures, in addition to the provisions of the preceding paragraph, shall also be fined by the medical security administrative department of not less than 2 times but not more than 5 times the amount of fraud.

Children can use their parents' health insurance cards to see a doctor. The procedure for paying for their child's outpatient expenses with a parent's health insurance card has been further simplified, so that parents can use their personal account to see a doctor for their child. Here's how:

1. When parents use their personal accounts to pay for their children's outpatient medical expenses, they need to indicate the parents' social security card number or ID card number on the back of the child's outpatient prescription;

2. Provide the child's social security card number;

3. Provide the relationship between the two parties, such as the relationship between father and son, mother and child; At the same time, leave a contact** and sign;

4. Unified self-pay medical treatment in the name of the child**, and the social security card of the father (mother) will be deducted when the medical expenses are settled, and the medical expenses of the child in the ordinary outpatient clinic in the mainland are not entitled to this treatment, and the medical insurance cannot be reimbursed

1) If a work-related injury cannot be reported for medical treatment with medical insurance, and medical insurance reimbursement is made, in principle, it cannot apply for work-related injury reimbursement; In case of reimbursement in violation of the medical insurance measures, the social insurance administrative department shall order the return of the basic medical security expenditure obtained by fraud, and impose a fine of not less than two times but not more than five times the amount obtained by fraud; (2) Employee work-related injury, should be identified as work-related injury, after the identification of work-related injury, all medical expenses are paid by work-related injury insurance, can not use medical insurance, medical insurance is the use of ** employee sick or non-work-related injury, if there is no work-related injury identification, or is not recognized as work-related injury, can only be reimbursed by medical insurance.

Legal basisArticle 88 of the Social Insurance Law of the People's Republic of China.

Where social insurance benefits are obtained by fraud, falsification of supporting materials or other means, the social insurance administrative department shall order the return of the social insurance money obtained by fraud and impose a fine of between two and five times the amount obtained by fraud;

Article 91.

Anyone who violates the provisions of this Law by concealing, transferring, misappropriating or misappropriating social insurance** or investing and operating in violation of regulations, shall be ordered to recover by the social insurance administrative department, financial department or auditing institution; where there are unlawful gains, the unlawful gains shall be confiscated; The directly responsible managers and other directly responsible personnel are to be given sanctions in accordance with law.

[Legal Analysis].Yes, the insured person must meet three conditions at the same time to pay for the expenses incurred by close relatives with the money accumulated in the medical insurance card over the years

1. The balance of funds in the personal account over the years exceeds 6,000 yuan;

2.The total amount of fees to be paid is more than 2,000 yuan;

3.After payment, the balance of funds in the personal account over the years shall not be less than 3,000 yuan.

Legal basis"Opinions on Expanding the Scope of Payment of Balance Funds in Medical Insurance Personal Account" Close relatives include spouses, parents, children, siblings, grandparents, grandchildren, and grandchildren. Expenses that can be incurred for close relatives:

1. The personal payment of the close relatives of the insured persons participating in the basic medical insurance for urban and rural residents, and the use of rabies vaccine, various pneumococcal and influenza vaccines. For example, if your child gets a flu vaccine, if the child's parents or grandparents have a balance in their medical insurance account, they can use this money to pay.

However, the form of payment is not to swipe the card directly, but to pay in advance first, and then apply to the medical insurance agency in the place of insurance with relevant supporting materials.

Second, the close relatives of the insured persons in line with the scope of basic medical insurance payment, by the basic medical insurance compensation after the personal medical expenses borne by the individual.

The above is only the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you organize the relevant information and communicate with a professional in detail.

The medical insurance card is one of the vouchers that the insured person should enjoy medical insurance, and in principle, it is limited to the insured person's own use. The money in the medical insurance account belongs to the individual. However, the money in the medical insurance co-ordination belongs to each medical insurance policyholder, and its purpose is to share the risk of disease through mutual assistance between social groups within a certain area and solve the medical expenses of employees when they are seriously ill.

If the balance of your medical insurance card is insufficient, you must use the money of the overall plan for reimbursement. If family members use their own medical insurance cards to buy medicines, it is unfair to the insured employees.

In addition, if you use someone else's medical insurance card for hospitalization reimbursement, it is insurance fraud. If the circumstances are serious, they will face criminal punishment.

However, some areas allow you to share your health insurance card with your family members and share the sum insured. For example, Guangzhou, Shenzhen, Zhejiang, Xiamen, etc., generally have restrictions, you can consult the local social security bureau.

There are two situations in which the medical insurance card is lent to the family: one is to buy medicine, and the other is to be reimbursed for hospitalization. The medical insurance card must not be lent to the family for hospitalization, otherwise you will face fines or criminal liability. Lending a medical insurance card to a family member for reimbursement is strictly a fraud in obtaining social insurance benefits.

Legal basis

According to Article 88 of the Social Security Law, if a person obtains social insurance benefits by fraud, forgery of supporting materials or other means, the social insurance administrative department shall order the return of the social insurance money obtained by fraud and impose a fine of not less than two times but not more than five times the amount obtained by fraud. If a crime is constituted, criminal responsibility will also be pursued in accordance with law.