In April of 20021year, the state announced that the medical insurance account can be used by immediate family members, which means that the money in your medical insurance account can be used by immediate family members.
The first method is to open the official social security WeChat account in your area, and then click "Convenience Service" and "Personal Business Handling". After logging into your medical insurance account, click "Insurance Information Modification", and then click "Family Binding of Medical Insurance Account".
The second method is to log on to "Social Insurance Service Personal Web Page" on the computer, input "Social Security Business Handling", click "Medical Business Handling", and then click the new binding of "Personal Account Family * * * Enjoy", input personal information and submit it for saving.
The third way is to download the mobile app national medical insurance service platform-log in to the personal medical insurance account-click family account, you need to bind with the ID number of your relatives, select the kinship, upload and write a personal commitment letter and a photo of your household registration book to prove the relationship.
Second, * * * enjoy
First, make sure that there is enough balance in your personal account to use, and then contact your family's medical insurance card. After the connection is successful, the family can use the balance inside and implement the family-wide economy.
Social medical insurance is a medical insurance system enforced by the state through legislation. Employers and individuals pay insurance premiums according to a certain proportion, establish social medical insurance funds, and pay medical expenses for employees.
Social medical insurance means that when workers get sick, social insurance institutions give appropriate subsidies or reimbursement for their medical expenses, so that workers can recover their health and labor ability as soon as possible and enter the process of social reproduction.
Social medical insurance is an important part of social insurance, which is generally borne by the government. The government will use economic, administrative and legal means to implement and organize.
Account establishment
The social medical insurance agency shall establish a personal account of basic medical insurance for each insured person, and take my ID number as the lifelong medical insurance number.
The funds in the employee's personal account of basic medical insurance are owned by individuals and used for medical consumption. Overexpenditure is not covered, balance is accumulated, and cash is not withdrawn. When an employee dies, his personal account is cancelled and the balance is inherited according to regulations.
Settlement and release
The employing unit shall handle the personal medical account settlement card for employees while participating in the basic medical insurance. Within 30 days from the date of participating in medical insurance, the employer shall apply to the social medical insurance agency and provide relevant information. After receiving the application from the employer to establish a household for employees, the social medical insurance agency will carefully review the relevant materials, establish a personal account for employees within 15 days, and issue a personal account settlement card.
Inject funds into the employee's personal medical account in time, and bear interest according to relevant regulations. Retirees placed in different places may not issue cards temporarily.
Insured persons can purchase drugs at any designated medical institutions and pharmacies in the overall planning area with personal medical account cards. When the funds in the personal medical account are insufficient, they will be paid in cash.
Transfer inheritance
When the insured person is transferred out, the funds in the personal medical account will be transferred together. If you can't transfer, you can return the balance of your personal account to me and cancel your personal account at the same time.
If the insured dies, the balance of the personal account can be inherited by his legal heir.
Report the loss and reissue
The insured shall properly keep the personal account card, and if it is damaged, it needs to be replaced with a new card, and the expenses shall be borne by the individual. If the personal account card is lost, it should be reported to the medical insurance agency or designated unit with relevant documents in time, and the medical insurance agency should immediately seal the account. If you can't find it within 30 days, you should apply for a new card at your own expense.
The medical expenses incurred during the loss reporting period shall be paid in cash by the employee's personal account. If the personal account card is fraudulently used before reporting the loss, the insured shall bear the loss.
When the insured person purchases medicine for medical treatment and uses a card to settle medical expenses, the designated medical institutions and pharmaceutical service personnel should carefully verify, and those who find forged or fraudulently use the loss reporting card should be detained immediately, and the social medical insurance agency should be notified. Designated medical institutions and pharmacies shall not refuse the funds in the card or exchange cash for the cardholder.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 24 The state establishes and improves the new rural cooperative medical system.
Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.
Article 25 The state establishes and improves the basic medical insurance system for urban residents.
The basic medical insurance for urban residents combines individual contributions with government subsidies.
People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.
Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.