Medical insurance is set up to protect personal medical expenses. Therefore, the medical insurance fund is personal and can only be used for personal medical expenses.
The use of medical insurance funds is subject to strict supervision and regulations and cannot be transferred or enjoyed at will. If it violates the regulations, it may lead to the illegal use of medical insurance funds, and may even be sanctioned by law.
Solution:
If you need to pay the medical expenses of your family members, you can consider paying them in other ways, such as raising funds at your own expense or by other means.
If family members need to use the medical insurance fund to pay, they can consider the way of family assistance. Specifically, you can negotiate with your family, use the personal medical insurance fund to give it to your family, and * * * will bear the medical expenses of your family. The transfer or enjoyment of medical insurance funds may involve legal and regulatory issues. So before any operation, you should understand the relevant laws, regulations and policies. Family assistance is a feasible scheme, but we need to pay attention to its possible risks and problems. For example, the medical expenses of family members vary greatly, which may lead to insufficient or excessive medical insurance funds for some members. Therefore, before family assistance, we should fully understand its advantages and disadvantages and conduct full communication and consultation.
To sum up:
The money for medical insurance cannot be directly transferred to family members, but the medical expenses can be shared among family members through family assistance. Before any operation, you should understand the relevant laws, regulations and policies, and conduct full communication and consultation.
Legal basis:
Regulations of People's Republic of China (PRC) Municipality on Basic Medical Insurance for Urban Workers
Article 28
Personal accounts are used to pay medical expenses beyond the scope of the overall fund payment; If the personal account is insufficient to pay, it shall be borne by me.
Article 29
The hospitalization expenses for major diseases are paid in the following ways:
(a) Qifubiaozhun in principle control in the city, county, autonomous county last year, the average social wage of workers 9%-0%.
(two) the maximum payment limit is controlled in principle at 3-5 times of the average social wage of employees in cities, counties and autonomous counties in the previous year.
(three) medical expenses above the minimum deductible and below the maximum payment limit are mainly paid by the overall fund, and individuals bear a certain proportion. Give appropriate care to the proportion of retirees who bear medical expenses.
The scope of serious diseases, the specific standards of Qifubiaozhun and the maximum payment limit, and the proportion of sharing medical expenses above Qifubiaozhun and below the maximum payment limit shall be determined by the provincial people's government.
Article 30
Medical expenses below Qifubiaozhun and above the maximum payment limit will not be paid by the overall fund.