Medical insurance family account is a functional account set up for the convenience of the insured and their relatives (parents, spouses and children) to use the personal account of medical insurance. After binding family account, family members can use the related rights and interests of family members' medical insurance in electronic certificate, for example, they can use the medical insurance balance for registration, medicine purchase and settlement. This means that when family members have a balance in their medical insurance accounts, they can enjoy the balance to pay for medical expenses.
The functions of medical insurance are as follows:
1 is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves the worries of workers, makes them work with peace of mind, can improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor;
2. Adjust income differences and reflect social equity. Medical insurance is an important means for the government to redistribute income by collecting medical insurance premiums and paying medical insurance service fees.
3. An important guarantee for maintaining social stability. Medical insurance helps sick workers economically, helps to eliminate social instability caused by diseases, and is an important social mechanism to adjust social relations and social contradictions;
4. An important means to promote social civilization and progress. The social system of medical insurance and social mutual assistance embodies a new social relationship of "one party is in trouble and all parties support" by the insured sharing the risk of disease costs, which is conducive to promoting social civilization and progress;
5. An important guarantee for promoting economic system reform, especially the reform of state-owned enterprises.
To sum up, the use of medical insurance family account needs to meet the relevant regulations and requirements of medical insurance to ensure compliance.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 28
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.