Can family members share health insurance cards, and can family members share health insurance cards

Legal Analysis: Immediate Family.

Medical insurance cards can be shared, but they can only be used at designated medical institutions.

Buying medicine and going to the clinic cannot be used for reimbursement of medical expenses. 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 based on certain laws and regulations of the state and society.

The social insurance system, established to cover the basic medical needs of workers in the event of illness, is undertaken by ** and with the help of economic, administrative and legal means.

Enforce and organize management.

Social medical insurance consists of basic medical insurance.

and 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 the average annual social wage of employees in cities, counties and autonomous counties in the previous year.

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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.

It can be used, but there are limitations.

On May 25, 2012, the Taizhou Municipal Human Resources and Social Security Bureau issued the "Opinions on Expanding the Scope of Payment of Balance Funds in Medical Insurance Personal Accounts", which mentioned that some expenses incurred by close relatives of insured persons are allowed to be paid with the balance funds of personal accounts over the years.

However, the insured person must meet three conditions at the same time when he or she uses the money accumulated over the years of the medical insurance card to pay for the expenses incurred by close relatives:

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.

If the insured person pays the expenses incurred by his or her close relatives from the balance of his personal account over the years, he or she shall apply to the medical insurance agency in the place of insurance with relevant supporting materials, such as household registration booklet, marriage certificate, etc., medical insurance card, original vouchers of hospital charges, lists and medical records.

Your family's health insurance card.

It's best not to share. Usually, the money in the medical insurance card account can be used by the family, such as helping to buy medicines, paying medical bills, etc., but the personal treatment corresponding to the medical insurance card, such as seeing a chronic disease.

Hospitalization, critical illness and other functions cannot be shared with others.

The first executive meeting held a few days ago.

It is determined that the state will introduce measures to "establish and improve the outpatient mutual aid guarantee mechanism of basic medical insurance for employees", broaden the scope of use of funds in personal accounts, and allow family members to help each other. "Employee medical insurance family mutual aid" refers to the personal account of employee medical insurance.

The funds can be used by family members to help each other, for example, to pay for them at designated medical institutions.

Medical treatment, as well as the purchase of drugs, medical devices and medical consumables at designated retail pharmacies, shall be borne by the individual. The medical insurance card corresponds to the treatment of each insured, and the treatment qualifications of inpatient and outpatient severe and chronic diseases cannot be "mutually aided".

Broadening the scope of use of funds in employees' personal medical insurance accounts and allowing family members to help each other does not mean that "one person is insured and the whole family enjoys".

Medical insurance card or national medical insurance electronic voucher.

It contains the name, gender, and ID card of each of our insured persons.

No., **, social security number and other information, the implementation of "one person, one card", and the same ID card, only the real name of the person to use, must be "special card exclusive".

At the same time, it is "fraud and deception" to seek medical treatment in the name of another person's medical insurance card, and the insured person should use his or her medical insurance card (social security card) or medical insurance electronic voucher to seek medical treatment and purchase drugs in his real name, and properly keep his or her medical insurance card (social security card) to prevent others from using it in a fraudulent name. Lending one's medical insurance card to another person for medical treatment or using another person's medical insurance card to seek medical treatment in a fraudulent name is an act of fraud and insurance fraud.

According to the relevant provisions of the "Regulations on the Supervision and Administration of the Use of Medical Insurance", which will be implemented on May 1, the use of other people's medical insurance cards (social security cards) or medical insurance electronic vouchers to seek medical treatment and purchase drugs in a fraudulent name has caused medical insurance**.

If there is a loss, the person involved in the case will be suspended from real-time settlement of medical expenses and medical insurance; It is also subject to a fine (2 to 5 times the amount of fraud) imposed by the medical insurance administrative department; If a crime is constituted, criminal responsibility will be pursued in accordance with law.

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Summary. 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, xing, sfz number, **, social security number and other information of each of our insureds, and the implementation of "one person, one card", the same as sfz, only for the use of my real name, 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 <>

Dear, I am glad to answer for you: the balance of the personal medical insurance account of the employee can pay the personal burden of the outpatient medical expenses in the designated hospital of the medical insurance for family members. The new policy stipulates that the balance of the personal medical insurance account can be used to pay the expenses of parents, spouses and children <> 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 of the absolute ant has the name, xing, sfz number, **, social security number and other information of each of our insureds, and the implementation of "one person, one card", the same as sfz, only for the use of my real name, 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 medical expenses of the family members who meet the requirements<>