China's medical insurance funds are divided into pooling funds and individual accounts. The comprehensive part of the stock is the social medical insurance paid by the employer for the employees. This part of the overall fund is only for employees' own use and must be registered in real name. However, the money in this personal account is the medical insurance premium paid by the employees themselves. This part of the money is the account of financial funds. From September 1. The employee's personal account in Beijing can be used to pay personal medical expenses incurred in designated hospitals or retail pharmacies. You can also participate in individual contributions for local urban and rural residents' medical insurance and long-term care insurance. It is worth mentioning that it also provides supplementary medical care in Beijing. At this stage, it mainly refers to Beijing Pratt & Whitney Health Insurance. It is noteworthy that since 65438+February 1, there have been new standards and norms for medical treatment in different places. As long as you apply for medical treatment in different places according to regulations, you can apply for real-time settlement of personal accounts in designated medical institutions that have opened cross-regional real-time settlement services in the overall planning area.
And after 65438+February 1, employees' families can also apply for medical insurance funds in personal accounts if they meet certain standards. What conditions must a family meet? First of all, the other half of the insured, parents or children, brothers and sisters can not apply for their own medical insurance accounts. It is worth mentioning that such family members must also be registered social medical insurance participants in Beijing. What must I do to apply for a family medical insurance account?
First of all, we must implement the * * * filing plan. From the date of 10 and 15, Beijing citizens can file a record in three ways. The first is Beijing Medical Insurance Integrated Service Platform, and the second is official website of Beijing Medical Insurance Bureau. The other is the dialog box of social security agencies in various districts. The standard is to apply for an individual's personal account first, and then apply for someone else's personal account in the order of filing. It is worth mentioning that when you use * * * to settle accounts, you should enter the transaction password of your personal account.
Then let's talk about it again. What can we do if we use family account? The key is to seek medical treatment in designated hospitals, followed by purchasing drugs, medical machinery and medical consumables in designated retail pharmacies. You can also buy local supplementary insurance, Beijing Pratt & Whitney Health Insurance. You can also seek medical treatment in different places, but if you seek medical treatment in different places, you must go through the formalities for filing medical treatment in different places according to regulations. Moreover, after the policy changes, medical insurance can no longer be transferred out of medical insurance personal account assets. The passbook of the medical insurance bank can be used to accept medical expenses, manually reimburse assets, and also reimburse serious illness and its rescue assets. Under the latest policy, the floating standard of basic medical insurance for seriously ill workers in Beijing has dropped to 30,404 yuan. However, there is no ceiling line for outpatient wages in staff hospitals.