Legal analysis: can be used directly. However, it should be noted that the use method of medical insurance family * * * is to buy medicines in pharmacies, and you can directly use the bound relatives' cards to buy medicines. When using them, you should pay attention to the "consistency of people and cards". If it is necessary to use them in hospitals, then the * * * health account should use my personal account funds over the years before using my * * * health account funds. The medical insurance family needs to carry relevant documents and materials, go to the social security (medical insurance) handling service hall or the nearest district/county street (township) social security office, or go through the mobile phone terminal of the mobile medical insurance APP. However, the employee's medical insurance family needs the authorized person and the authorized person to participate in the basic medical insurance at the same time, and the medical security benefits are normal, so that they can enjoy the family personal account. At the same time, the family can only use the balance of individual accounts over the years, and cannot use the overall fund of medical insurance that the authorized person participates in.

legal basis: social insurance law of the people's Republic of China

article 2 the state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in case of old age, illness, industrial injury, unemployment and maternity.

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 state regulations.

article 28 medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.