The scope of use of funds in medical insurance accounts is determined in accordance with relevant regulations and is mainly used to pay medical expenses that are within the scope of medical insurance.

Generally speaking, the funds in the medical insurance account can be used for the following expenditures: 1. Reasonable medical expenses: including outpatient expenses, hospitalization expenses, surgical expenses, examination expenses and other expenses that comply with the scope of medical insurance and reimbursement standards.

Individuals can settle directly through their medical insurance accounts to reduce the pressure of out-of-pocket expenses.

2. Purchase of basic medicines and medical equipment: Basic medicines and medical equipment purchased by individuals within the scope of medical insurance regulations can be paid directly from the medical insurance account.

This helps reduce the burden on individuals to purchase medicines and medical devices.

3. Treatment of special diseases: For the treatment of some special diseases, funds in the medical insurance account can also be used.

These special diseases may require higher medical expenses, and individuals can support their treatment through funds from their medical insurance accounts.

Can I withdraw money from my medical insurance account?

1. Under normal circumstances, the money in the medical insurance account cannot be withdrawn.

This is because the funds in the medical insurance account are mainly used to pay personal medical expenses. If you withdraw them at will, it may affect your personal medical insurance.

2. However, under certain special circumstances, individuals can apply to withdraw money from their medical insurance accounts.

For example, if an individual leaves the insured place due to job change, retirement, etc., the money in the medical insurance account can be transferred to the new insured place; or if an individual dies due to illness, his family members can apply to withdraw the money in the medical insurance account, etc.

3. It should be noted that withdrawing money from the medical insurance account needs to meet certain conditions and go through the procedures in accordance with relevant regulations.

For details, please consult your local social security bureau or hospital.

It can be seen from the above that the money in the medical insurance account is mainly used to pay the medical expenses of the insured, including outpatient fees, hospitalization fees, medicine fees, examination fees, etc., as well as some special medical service fees.

Legal basis: Article 4 of the "Social Insurance Law" of the People's Republic of China and the territory of the People's Republic of China Employers and individuals who pay social insurance premiums in accordance with the law have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation, etc.

Related Services.

Individuals enjoy social insurance benefits in accordance with the law and have the right to supervise the payment of contributions by their units.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical insurance and basic medical insurance for urban residents shall be implemented in accordance with national regulations.

Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.

Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit.

The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.