the latest news of medical insurance: it is very important for us to implement the "family-oriented" medical insurance for the whole family in the national medical insurance personal account. However, in real life, it often happens that some people in the same family don't have enough money for medical treatment, while others have a lot of money in their accounts, but they can't give medical insurance to their families. Nowadays, this embarrassing situation has changed. In Guangdong, Zhejiang, Chongqing and other places, policies have been issued to allow individuals to give the money from their personal medical insurance accounts to their families, thus realizing the family's enjoyment. It is really good news that the balance of medical insurance personal accounts can be used by the whole family. It is Guangdong Province that is the first country to implement medical insurance personal account. On March 23, 212, the General Office of the Guangdong Provincial Government forwarded the "Reform Plan for Deepening the Urban and Rural Medical Security System in Guangdong Province", proposing to activate the personal account function of employee medical insurance. The personal account will be expanded to family account, and family account will be allowed to pay medical insurance fees for urban and rural residents on behalf of immediate family members, and pay for vaccination, physical examination and "prevention of diseases" of Chinese medicine for himself or his immediate family members. Since then, Zhejiang, Chongqing, Qingdao, Zhengzhou, Liuzhou, Zhenjiang, Harbin and other provinces and cities have realized the personal account of medical insurance for the whole family. According to the overall management, the basic medical insurance for urban workers in China is divided into two accounts, namely, the overall account and the individual account. Personal accounts are mainly used to record and store personal account funds, and are used for personal medical consumption according to regulations. The main source of personal account fund is to transfer the medical insurance premiums paid by individuals and social medical insurance premiums paid by employers to personal accounts according to a certain proportion, plus the interest income of personal account funds generated with the increase of insurance years. The scope of personal account payment is usually used to pay the insured's specific medical expenses, including the outpatient expenses incurred by designated medical institutions, the drug purchase expenses of designated retail pharmacies, the expenses below the threshold of pooling funds in the basic medical expenses for specific items of hospitalization and outpatient in designated hospitals, and the expenses that should be borne by individuals above the threshold, which stipulates that the insured can only use the personal account funds for personal use and may not pay for others. However, with the continuous improvement and adjustment of the medical security system, the use function of personal accounts is becoming weaker and weaker, resulting in a large amount of funds precipitation. According to statistics, by the end of 215, the total number of people participating in basic medical insurance in Zhejiang Province was 51.96 million, including 19.93 million employees, 3.23 million urban and rural residents, and the accumulated balance of individual account funds was more than 3 billion yuan. On the other hand, employees' family members who have insufficient personal account balance or no personal account still need to pay the out-of-pocket medical expenses in cash when seeking medical treatment in designated medical institutions. It is obviously unreasonable to use more money than you can use, but you have no money at the same time. Realizing mutual aid among family members will greatly reduce the cash expenditure of the insured people for medical treatment, reduce the burden of family medical care, and at the same time fully improve the efficiency of the use of funds for employee medical insurance, so that dead money can be revitalized and the treatment function can be brought into play.