Starting from September 1st, the personal account funds of Beijing Medical Insurance will be used for targeted purposes. At the same time, from December 1st this year, the medical insurance of family members (those who must participate in Beijing Medical Insurance) can be used financially.

What can the funds in personal medical insurance accounts be used for? How to operate it specifically? A reporter from the Beijing News summarized and sorted it out.

Scope of applicable population: Family finance does not include brothers and sisters. The amount paid by employees to participate in basic medical insurance goes to two places: medical insurance reimbursement payment overall fund and personal account.

Starting from September 1, all basic medical insurance premiums paid by employers will be included in the overall fund, and all basic medical insurance premiums paid by active employees will be included in personal accounts, and the funds in personal accounts should be earmarked for special purposes.

It is worth noting that the funds in the personal account that have been transferred to the special passbook for medical insurance before September 1st can be withdrawn for use at any time in the future.

Therefore, citizens do not need to rush to the bank to queue up to withdraw cash.

After September 1, in addition to the amount in the personal account being used to pay personal-related medical insurance expenses, Beijing has also launched "outpatient assistance", that is, Beijing medical insurance insured persons among family members (spouse, parents, children)

, you can use the funds in your personal account economically with each other.

Starting from October 15th, insured persons can register for economic use through the Beijing Medical Insurance Service Platform (#/index), the official website of the Beijing Municipal Medical Security Bureau (or the window of each district agency). After the registration is successful,

Starting from December 1, 2022, personal account funds can be used financially. Please remind all insured persons again that brothers and sisters are not included in the financial use of designated medical transfer institutions or designated retail pharmacies.

When using the personal account of the insured person, you should first use up the funds in your personal account, and then use the funds in other people's personal accounts according to the filing order. Usage method 1: Pay medical expenses at a fixed point. First, the funds in the personal account of the medical insurance card can be used to pay the insured employees.

Medical expenses incurred at designated medical institutions or designated retail pharmacies include medical treatment, medicine purchase, medical equipment, medical consumables, etc. Taking December 1st of this year as the node, it can only be used by myself before then, and can be used by family members after that.

Whether you use your own account funds to settle, or use other people's account funds to settle, you must enter your personal account payment password when settling. Currently, there are more than 2,900 accounts in Beijing.

Basic medical insurance designated medical institutions. In accordance with the regulations on medical treatment management for insured persons in Beijing’s basic medical insurance, in addition to the designated medical institutions selected by me, all designated traditional Chinese medicine hospitals, designated specialist hospitals, 49 designated Class A hospitals, and all designated medical institutions in Beijing.

Designated community health service institutions are the same designated hospitals for insured persons. There is no need to choose and they can seek medical treatment according to regulations. Usage method 2: Participate in the city’s basic medical insurance for urban and rural residents and long-term care insurance. Pay according to the introduction of the Beijing Municipal Medical Insurance Bureau.

Starting from December 1, the funds in the personal medical insurance account can be used to pay for the Beijing Urban and Rural Resident Basic Medical Insurance and long-term care insurance for myself and other financial recipients. In fact, on August 13 last year, the Beijing Municipal Medical Insurance Bureau issued "About Urban Residents."

Supplementary Notice on the Usage Scope of Personal Accounts of Employee Basic Medical Insurance. The notice shows that personal accounts of Beijing Medical Insurance can be used to pay part of the medical expenses of spouses, parents, and children, and also clarifies that personal contributions for long-term care insurance in this city can be explored.

Since then, Beijing has successively implemented pilot projects for long-term care insurance. This year’s government work report clearly stated for the first time that “comprehensive implementation of long-term care insurance” will be explored in the “Beijing Municipal Aging Development Plan during the 14th Five-Year Plan Period”.

An effective supplement to policy-based long-term care insurance. Support commercial insurance institutions to participate in policy-based long-term care insurance handling services. From the perspective of specific implementation, it is planned to start with urban employees in 2022, and then include urban and rural residents when conditions are mature.

Usage method 3: Purchase "Beijing Inclusive Health Insurance" Starting from September 1 this year, insured persons can use the balance of their personal medical insurance accounts to purchase "Beijing Inclusive Health Insurance" for themselves.

You can also use the balance of your personal medical insurance account to purchase "Beijing Inclusive Health Insurance" for your spouse, parents, and children who enjoy Beijing medical insurance benefits. When paying, you should ensure that the account funds can be paid in full.

In addition, according to policy adjustments, the deductible for serious illness for employees in 2022 will be reduced to 30,404 yuan, and the deductible for "Beijing Puhui Health Insurance" self-pay protection will be reduced simultaneously.

That is to say, starting from 2022, the minimum payment standard for employee critical illness insurance will be reduced from 39,525 yuan to 30,404 yuan.

The deductible of the "Beijing Puhui Health Insurance" self-pay protection is consistent with its minimum payment standard. After the insured enjoys the benefits of urban employee basic medical insurance, the accumulated personal out-of-pocket medical expenses for outpatient and hospitalization in one year exceed the minimum payment standard.

The above part will be "secondary reimbursed" by urban employees' serious illness medical insurance.

The portion above and below the minimum payment standard of 50,000 yuan (i.e., 30,404 yuan to 80,404 yuan) will be reimbursed at 60%, and the portion above 50,000 yuan (i.e., 80,404 yuan) will be reimbursed at 70%, with no upper limit.