Medical insurance family account refers to the unified account set up by the medical insurance fund for the insured and their family members, and the funds paid by the medical insurance fund and individuals will be deposited in the medical insurance family account. When the insured person or his family members receive medical services in medical insurance coverage, they can use the funds in the medical insurance family account to settle the expenses. The implementation of the medical insurance family account system can increase the reimbursement ratio and limit of the insured, relieve the pressure of fund operation, and encourage the insured to actively manage their own medical insurance family account, thus improving the efficiency of medical expenses. The scope of medical insurance in family account includes medical expenses, outpatient expenses and hospitalization expenses. Different regions have different regulations on the distribution and use of medical insurance family account, and the specific institutional arrangements need to be determined according to local policies.
How to manage the medical insurance funds in family account? Medical Insurance family account's funds are managed by medical insurance fund institutions, including fund deposit, account settlement and fund supervision. The insured can query and use the funds of medical insurance family account through medical insurance cards or other designated identification methods.
Medical Insurance family account is a medical insurance system. Its purpose is to pay the medical insurance reimbursement expenses of eligible insured persons and their family members, and realize the risk sharing, dispersion and sharing of medical insurance funds. The scope of use and fund management of medical insurance in family account should be determined according to local policies.
Legal basis:
"Several Provisions on Implementing the Social Insurance Law of People's Republic of China (PRC)" Article 7 The payment period of retirees enjoying basic medical insurance benefits as stipulated in Article 27 of the Social Insurance Law shall be implemented in accordance with local regulations. Individuals who participate in the basic medical insurance for employees, when the relationship between basic medical insurance is transferred, the payment period of basic medical insurance is calculated cumulatively. Article 8 The medical expenses incurred by the insured in the agreed medical institutions shall be paid by the basic medical insurance fund in accordance with the provisions of the state if they meet the basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards. If the insured really needs emergency treatment and rescue, he can seek medical treatment in a non-agreement medical institution; The scope of drugs that must be used for rescue can be appropriately relaxed. The specific measures for the administration of emergency and rescue medical services of the insured shall be formulated by the overall planning area according to the local actual situation.