01 Question: What is personal account family financial use? Answer: According to the relevant regulations of the country and this city, "Personal accounts can be used to pay for the expenses incurred by the insured's spouse, parents, and children in designated medical institutions or designated retail pharmacies.

"Expenses borne by individuals within the prescribed scope are explored and used to pay individual contributions for spouses, parents, and children to participate in urban and rural residents' basic medical insurance, etc." That is, the balance of the employees' medical insurance personal accounts over the years is used by the employees themselves.

It can be used financially by family members such as spouses, parents, and children.

The personal account fund balance of employees' medical insurance participants can be self-checked for "medical insurance funds" through the "Suishinban Citizen Cloud" App, Suishinban WeChat applet, and Suishinban Alipay applet. The mobile phone interface will display "account balance for the year" and "

Account balance over the years”.

Insured persons can also go to the medical insurance handling service window to inquire.

02 Question: What is the significance of implementing personal account family finance? Answer: The system foundation of social insurance is mutual aid finance.

If the medical insurance pooling fund reimburses outpatient or inpatient medical expenses for each patient is a "big economy" and achieves the goal of "one for everyone, everyone for me", then the personal account fund family economy is

The "small *** economy" will build a new protection mechanism of "I am for my family, and my family is for me".

The economic use of personal account balance funds among family members can improve the efficiency of personal account protection, reduce the pressure on family cash payments, and enhance the family's ability to resist disease risks.

Many citizens use their personal account funds to purchase "Shanghai Huibao" for their families, which is a concrete practice of the "small government economy" of the family economy.

03 Question: What are the differences in the use of personal accounts before and after the family becomes financially independent? Answer: At the beginning of a medical insurance year on July 1 each year, the funds included in the medical insurance personal account are the account funds for that year; on June 30 of the following year

After the year-end liquidation, the funds carried forward to the medical insurance personal account according to regulations are the balance funds over the years.

Before the family benefits, the remaining funds in the medical insurance personal account over the years can be used by the insured employees to pay their own personal medical expenses for outpatient and emergency care, hospitalization (including emergency observation), outpatient serious illness, home hospital beds, etc., and to purchase drugs at designated retail pharmacies, etc.

, it can also be used to purchase exclusive commercial health insurance products such as "Shanghai Huibao" for yourself or your spouse, parents, children and other family members.

After the family's economic use, there are "two changes" in the usage rules of personal accounts. First, the use object is expanded from the individual to the agreed family members. Both workers' insurance personnel and urban and rural residents' medical insurance personnel can use it according to regulations. For example, urban and rural residents

Resident medical insurance personnel can use their own medical insurance Kara cards and family members’ personal account funds to purchase medicines at designated medical insurance pharmacies. Second, the scope of use has also been expanded and can be used for urban and rural residents’ medical insurance and other insurance premiums.

04 Question: Does family financial assistance mean that an individual’s social security card (or medical insurance card) can be used by family members? Answer: No.

After the family receives financial support, the insured person still needs to use his or her social security card (or medical insurance card) to see a doctor and enjoy his or her own medical insurance benefits according to regulations.

"Two unchanged": that is, the rules for holding a card for medical treatment remain unchanged, and one still has to hold one's social security card (or medical insurance card) for reimbursement; one's medical insurance benefits remain unchanged from those before the national economy, and those who participate in employee medical insurance still enjoy

Employee medical insurance provides corresponding benefits to the individual, and those participating in the urban and rural residents' medical insurance still enjoy the corresponding benefits to the urban and rural residents' medical insurance.

05 Question: What channels are used to form a family insurance network? Answer: The organizer can search for "medical insurance personal account family insurance network" through the "Suishinban Citizen Cloud" App, Suishin WeChat applet, or Suishin Alipay applet.

"Family Financial Aid", enter the "Medical Insurance Personal Account Family Financial Aid" service, and set up a family financial aid network.

The organizer and financial members can maintain and manage the family financial network at any time through the "Suishin Citizen Cloud" App, Suishin WeChat applet, or Suishin Alipay applet.

There are no limits on the number and time of maintenance and management operations.

The organizer can maintain the family financial network. When the member information changes, the member information should be modified in a timely manner; the risk of loss of family financial funds caused by failure to maintain or change in time shall be borne by the organizer.

The organizer can view network member information, select or change the economic mode, cancel networking and other operations.

Members of the family economy can view the information about the organizers of the family economy network and themselves. If they do not need the family economy network, they can also choose to actively exit the family economy network they are currently in.

The system does not support members of the *** economy to view information about other members in the network.

06 Question: What are the requirements for establishing a family health insurance network? Answer: The founder of a family health insurance network should be a participant in the city's employee medical insurance, have a balance of account funds over the years, and the employee medical insurance account can be used normally.

Financial members should be the spouse, parents, and children of the sponsor, and the sponsor is responsible for the authenticity of the family relationship.

At the same time, economic members should also be participants in the city's employee medical insurance or urban and rural residents' medical insurance.

People who participate in this city’s community medical mutual aid program can also serve as financial members and use family financial funds in accordance with regulations.