Different provinces and cities have different regulations, and some provinces and cities can use the balance of personal medical insurance accounts for families. Previously, it was stipulated that medical insurance personal accounts had money, but they could only be used by insured employees themselves. Recently, some provinces and cities have made it clear that the funds in the personal account of employee medical insurance should be used by the spouses, parents and children of both husband and wife, which means that the money in the personal account can be used among family members, which is * * *. Moreover, as long as the insured employees have money in their personal medical insurance accounts, they can be used to pay for local general clinics, outpatient special diseases, hospitalization, physical examination, immunization, remote diagnosis and treatment, family doctors and other expenses.

Legal basis:

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

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.