1. The insured person transfers the personal account funds to his spouse, children, parents and other close relatives through self-help, and the specific transfer amount is determined by the insured person;

2. After the ownership of the individual account fund is transferred, its use, carry-over, transfer, inheritance and interest generated over the years shall be implemented in accordance with the relevant provisions on the management of the individual account fund of basic medical insurance in Hangzhou;

3. The funds in the personal account of the authorizer over the years can be transferred to one or more close relatives for use, or multiple authorizers can be transferred to one close relative for use;

4. After the transfer, close relatives who receive * * * can directly brush personal account funds at designated medical institutions with social security cards;

5. The authorizer shall be responsible for the authenticity of the social relationship between the close relatives and the authorizer. If there is false information, all legal responsibilities arising therefrom shall be borne by the authorized person.

Medical insurance accounts strictly refer to employee medical insurance accounts, and residents' medical insurance accounts cannot be used for economic purposes. Medical insurance account * * * Strictly speaking, all users who participate in employee medical insurance have personal medical insurance accounts. * * After the implementation of the economic system, it means that the money in employees' personal medical insurance accounts can be used by their spouses, parents, children and other family members. As long as family members form a * * * economic network, the parents, spouses and children of the insured can use the money from the insured's personal medical insurance account to pay the medical expenses or drug purchase expenses of designated hospitals and pharmacies, and also pay the corresponding outpatient expenses.

Medical insurance card * * * economic account operation method:

1. Apply for * * * economic account: choose a representative from family members and bring all members' medical insurance cards, ID cards and other relevant documents to the local social security bureau to apply for * * * economic account.

2. Inject funds: When family members directly pay medical insurance for urban and rural residents, they can transfer funds from individual medical insurance accounts to * * economic accounts, or deposit funds into * * economic accounts.

3. Use the funds in the * * economic account: When family members of the * * economic account seek medical treatment or purchase medicines in designated medical institutions, they can pay directly by credit card with the medical insurance card and enjoy medical insurance benefits.

4. Inquire about * * * economic account information: Family representatives can inquire about the use and balance of funds in * * * economic account at any time to ensure that the funds are transparent, open and fair.

To sum up: the funds in the medical insurance personal account can be used by family members. It can be used to pay for medical treatment in designated medical institutions and for purchasing medicines, medical devices and medical consumables in designated retail pharmacies.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the 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 rescue shall be paid by the basic medical insurance fund in accordance with state regulations.