medical insurance concerns thousands of families. Recently, the news that "Shanghai started to set up a medical insurance family * * * economic network" has aroused widespread concern among readers. So, what is the medical insurance family benefit? Why is this policy introduced? How to operate specifically? ..... In view of the ten questions that readers are more concerned about, we have made some combing in the form of questions and answers. Q: What is the personal account for family use? A: According to the relevant regulations of the state and this Municipality, "personal accounts can be used to pay the expenses borne by the insured spouse, parents and children in designated medical institutions or designated retail pharmacies within the prescribed scope. Explore personal accounts for spouses, parents, children to participate in the basic medical insurance for urban and rural residents and other personal contributions ",that is, the surplus funds of employee medical insurance personal accounts over the years have been expanded from employees' own use to family members such as spouses, parents and children. The fund balance in the personal account of the employee's medical insurance insured person can be inquired by self-service through the Application for Citizen Cloud app, the application for WeChat applet and the application for Alipay applet, and the mobile phone interface will display "current account balance" and "previous account balance". Insured people can also go to the medical insurance agency service window to inquire. Q: What's the significance of implementing personal account family benefit? A: The institutional basis of social insurance is mutual assistance and economic aid. If it is said that the medical insurance pooling fund reimburses outpatient or inpatient medical expenses for each patient, and the goal of "I am for everyone, and everyone is for me" is achieved, then the personal account fund family * * * aid is "small * * * aid", and a new guarantee mechanism of "I am for my family, and my family is for me" will be constructed. The economic use of personal account balance funds among family members can improve the efficiency of personal account protection, reduce the pressure of family cash payment, and enhance the family's ability to resist disease risks. Many citizens use their personal account funds to buy "Shanghai Huibao" for their families, which is a concrete practice of "small * * * aid" for families. Q: What's the difference in the use of personal accounts before and after family aid? A: At the beginning of a medical insurance year on July 1 every year, the funds included in the medical insurance personal account are the account funds of that year; After the liquidation at the end of the year on June 3th of the following year, the funds transferred to the personal account of medical insurance according to regulations are the surplus funds over the years. Before family aid, the surplus funds of medical insurance personal account over the years can be used for the insured employees to pay their own medical expenses such as outpatient and emergency treatment, hospitalization (including emergency observation), outpatient serious illness, family sickbed, etc., as well as to buy medicines at designated retail pharmacies, etc., and can also be used to buy exclusive products of commercial health insurance such as "Shanghai Huibao" for themselves or their spouses, parents and children. After the family's economic use, there are "two changes" in the rules for the use of personal accounts. First, the users are expanded from themselves to agreed family members, and both occupational insurance personnel and urban and rural residents' medical insurance personnel can use them according to the regulations. For example, urban and rural residents' medical insurance personnel can use their own medical insurance cards to purchase medicines at designated medical insurance pharmacies. Second, the scope of use has also been expanded, which can be used for urban and rural residents' medical insurance and other insurance contributions. Q: Does the family's social security card (or medical insurance card) mean that it can be used by family members? A: No. After the family's aid, the insured still needs to use his social security card (or medical insurance card) to see a doctor and enjoy his medical insurance benefits according to regulations. "Two unchanged": that is, the rules of holding a card for medical treatment remain unchanged, and I still hold my social security card (or medical insurance card) to reimburse expenses; My medical insurance benefits remain the same as before * * *, and those who participate in employee medical insurance still enjoy the corresponding treatment of employee medical insurance, and those who participate in urban and rural medical insurance still enjoy the corresponding treatment of urban and rural medical insurance. Q: What channels are used to form a family economic network? A: The organizer can search for "medical insurance personal account family * * * economy" through the Application for Citizen Cloud app, the application for WeChat applet or the application for Alipay applet, enter the "medical insurance personal account family * * * economy" service, and form a family * * * economy network. The founders and members of the * * * economy can maintain and manage the family * * economy network at any time through the "Apply for Citizen Cloud" App, apply for WeChat applet or apply for Alipay applet. There is no limit to the number and time of maintenance and management operations. The founder can maintain the family economic network. When the member information changes, the member information should be revised in time. The risk of family financial loss caused by failure to maintain or change in time shall be borne by the founder. The founder can view the information of members in the network, select or change the economic mode, cancel the networking and other operations. * * * economic members can view the information of the founder of the family * * * economic network and themselves. If they don't need the family * * * economic network, they can also choose to voluntarily quit the current family * * * economic network. The system does not support * * * economic members to view the information of other members in the network. Q: What are the requirements for forming a family economic network? A: The founder of the family * * * economic network should be the insured person of the city's employee medical insurance, with a balance of account funds over the years, and the employee medical insurance account can be used normally. * * * Economic members shall be the spouses, parents and children of the founder, who shall be responsible for the authenticity of family relations. At the same time, the members of the * * * economy should also be the employees' medical insurance or the urban and rural residents' medical insurance insured. To participate in the city's community medical assistance and poverty alleviation program personnel can also be used as * * * economic members, in accordance with the provisions of the use of family * * * economic funds. After the establishment of the family * * * economic network, the full balance of the founder's personal account over the years will be used as the family * * * economic fund, which will be used by the * * * economic members until it is used up. After the family's economic funds are used up, the family's economic network continues. As a member of the * * * economy, those who join the family's * * economy network can only be the users of * * * economy funds and cannot become investors. Only the founder can * * * the balance of his account over the years to the members of * * *. Each insured person can only join one family * * * economic network at the same time. If you need to change the family * * * economic network, you can quit and then join a new family * * * economic network. If the elderly need to form a family * * * economic network, which cannot be handled through online channels, they can go to the nearest medical insurance service handling window and be assisted by the service window staff. Q: What are the ways to use family funds? A: The ways of using family funds include * * * payment and * * * payment. As the investor, the founder of the family * * * economic network can choose the way to use the * * * economic funds independently after the success of networking. You can choose one or both of them, and the members of the * * * economic network can use them only after the selection is confirmed. * * * economic payment refers to the family's * * * economic funds used to pay for self-funded medical expenses in the order of medical insurance settlement of * * * economic members. * * * The medical expenses incurred by economic members in designated medical institutions at their own expense, if they are occupational insurance personnel, must be paid by the surplus funds in their personal accounts over the years, and can be paid by the family * * * economic funds in accordance with the regulations after using up the surplus funds in their personal accounts over the years; If it is a medical insurance personnel for urban and rural residents, because they have no personal account, they can directly use family funds to pay. * * * payment means that members of the * * * economy use family funds to pay the basic medical insurance premiums for urban and rural residents in this city and purchase exclusive products of commercial health insurance in this city. Family * * * economic funds belong to employee medical insurance personal account funds, and the expenses incurred by * * * economic payment are not included in the scope of burden reduction policies of employee medical insurance, residents' serious illness insurance, medical assistance, etc. Q: Who owns the family funds? Is it included in the daily medical insurance supervision? A: The family fund belongs to the founder of the family fund, which belongs to the employee medical insurance personal account fund. The carry-over, inheritance, transfer and supervision shall be carried out in accordance with the relevant provisions of the basic medical insurance for employees in this Municipality. * * * economic members who use family funds in violation of regulations shall bear corresponding legal responsibilities. Q: Can designated retail pharmacies use * * * economic funds? A: Yes. * * * economic members can use * * economic funds to buy medicines at designated retail pharmacies, and they can also use family * * economic funds to buy Covid-19 antigen detection reagents and medical protective masks. According to the unified rules, the expenses paid by using the family's * * * economic funds in designated retail pharmacies are not included in the self-financing section of medical insurance for employees of the founders and members of the * * * economy, or the deductible line for medical insurance for urban and rural residents. Q: How to arrange the specific time? Answer: Considering that the use of personal account funds for family * * * can only be realized after the establishment of the family * * * economic network, July is set as the networking period, and one month is reserved for the convenience of the city's employees and insured personnel to form the family * * * economic network. Special reminder: networking can still be done after August, but considering that it is convenient for members of * * * to use family funds to pay for medical treatment and reduce the waiting time at the window of medical institutions, please reserve enough time for networking in advance and choose the * * * mode. For specific questions about the use of personal accounts for family use, you can call the medical insurance consultation service hotline 12393. Graphic handling process Photo courtesy of the Municipal Medical Insurance Bureau