By default, the medical insurance card can only be used by myself, and no matter family or friends can use my medical insurance card, otherwise it will cause serious consequences. Long-term and repeated purchase of drugs for chronic diseases such as hypertension and coronary heart disease will affect the insured's purchase of other types of insurance.

Employees' personal medical insurance accounts can be used by the whole family. Employee's personal medical insurance account means that the funds in the employee's personal medical insurance account can be used for family members to pay when they see a doctor in a designated hospital or pharmacy. The employee's personal medical insurance account is different from the personal medical insurance card.

Social medical insurance card, referred to as medical insurance card or medical insurance card, is a special card for personal account of medical insurance. With the personal identity card as the identification code, the detailed information such as personal identity card number, name, gender, account capital expenditure and consumption are stored and recorded. The medical insurance card is undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month. At present, China's medical insurance includes three categories, namely, employee medical insurance, urban residents' medical insurance and the new rural cooperative medical system. Only employees' medical insurance has personal accounts, and the other two categories have no personal accounts, so the whole family is not allowed to use their own medical insurance cards.

Legal basis:

"Guiding Opinions of the General Office of the State Council on Establishing and Improving the Economic Security Mechanism for Outpatients with Basic Medical Insurance for Employees"

Article 5

Standardize the use scope of personal accounts. Personal accounts are mainly used to pay out-of-pocket expenses of insured persons within the policy scope of designated medical institutions or designated retail pharmacies. It can be used to pay the medical expenses incurred by the insured and their spouses, parents and children in designated medical institutions, as well as the expenses incurred by individuals in purchasing drugs, medical devices and medical consumables in designated retail pharmacies. Explore the personal accounts of spouses, parents and children participating in the basic medical insurance for urban and rural residents. Personal accounts shall not be used for public health expenses, physical fitness or health care consumption and other expenses that are not covered by the basic medical insurance. Improve the management measures for the use of personal accounts and do a good job in the statistics of income and expenditure information.

Regulations on the supervision and administration of the use of medical insurance funds

Article 12

The medical insurance agency shall timely settle and allocate the medical insurance fund in accordance with the service agreement.

Designated medical institutions shall provide medical services in accordance with regulations, improve service quality, rationally use medical security funds, and safeguard citizens' health rights and interests.

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.