However, because of the economic policy of medical insurance, individuals can transfer the balance of their personal accounts over the years to their families for use. For example, parents can swipe their children's medical insurance cards to pay for their own expenses or buy medicines, but whether they are family members or not, they must never use other people's medical insurance cards to co-ordinate account reimbursement, otherwise they will be regarded as fraudulent insurance and will be punished.

In accordance with the relevant laws and regulations, if you hand over your medical insurance card to others for reimbursement, repeatedly enjoy medical insurance benefits, use medical insurance benefits to resell drugs to receive and return cash/goods, or obtain other illegal benefits, the medical insurance administrative department shall order it to make corrections. If the medical insurance fund is lost, it shall be ordered to return it. If it belongs to the insured, the online settlement of medical expenses will be suspended for 3 months to 12 months, and a fine of more than 2 times and less than 5 times the amount defrauded will be imposed.

The main purpose of medical insurance card:

1, the main purpose of medical insurance is to pay for outpatient treatment;

2. Medical insurance has other uses. You can use this money to buy medicines (over-the-counter medicines), medical instruments, thermometers and sphygmomanometers at designated pharmacies. You can also pay for self-funded items such as physical examination.

How to use individual account and overall account separately:

1, drug purchase expenses of designated retail pharmacies, outpatient and emergency medical expenses;

2. It is used for me to purchase commercial insurance and accident insurance;

3, the basic medical insurance fund Qifubiaozhun below the medical expenses;

4, more than the basic medical insurance fund Qifubiaozhun part, pay personal expenses in proportion;

5. I'll pay for the part of my personal account that is insufficient to pay.

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.