But because some people are sick, some people hardly get sick, so some people don't have enough money in their social security card accounts, and some people don't have enough. The most typical situation is: because adult parents have participated in employee social security, they have never paid off, and the money in the medical insurance card has accumulated tens of thousands. Minor children and grandparents who have not participated in social security have less or no money in their medical insurance cards. In this case, it has already become a realistic demand to give the money in social security to the family.
First, under normal circumstances, medical insurance cards cannot be used by family members.
The medical insurance card is one of the certificates that the insured should enjoy medical security, and it is limited to the insured himself in principle. The money in the medical insurance account belongs to individuals. However, the money in the medical insurance pooling fund belongs to every medical insurance applicant. Its purpose is to help each other through social groups in a certain area, share the risk of disease, and solve the medical expenses of employees when they are seriously ill. If the balance of your medical insurance card is insufficient, it must be reimbursed with the money from the overall fund. If the family members use their own medical insurance cards to buy medicines, it is unfair to the insured employees.
In addition, if someone else's medical insurance card is used for hospitalization reimbursement, it is fraudulent insurance. If the circumstances are serious, they will face criminal punishment.
However, in some areas, you are allowed to give your medical insurance card to your family and enjoy the insurance coverage. Such as Guangzhou, Shenzhen, Zhejiang and Xiamen. Generally, there are restrictions. You can consult the local social security bureau.
For example, Shenzhen stipulates that if the personal account balance of the first-class insured in basic medical insurance exceeds 5% of the average annual salary of employees in this city last year, their parents, spouses and children who have participated in medical insurance in our city can pay part of the designated medical expenses for the excess. This method is called "family channel".
Second, what are the consequences of family members using medical insurance cards?
There are two ways to lend a medical insurance card to your family: one is to buy medicine, and the other is to be reimbursed in hospital. Never lend your medical insurance card to your family for hospitalization, or you will face fines or criminal responsibility. Lending a medical insurance card to a family member for reimbursement is strictly to defraud social insurance benefits.
What are the consequences of buying medicine for your family with a medical insurance card? If you just buy some cold medicine, anti-inflammatory drugs and other over-the-counter drugs, the impact is not great. But if it is a drug for treating high blood pressure and heart disease, the consequences will be a bit serious.
Think about it, if you buy commercial insurance, the insurance company will check and find that you have such a consumption record, then ask for an increase in fees or exclusion of liability, and then directly refuse the insurance! Even more frightening is that it is likely to lead to refusal of compensation. The insurance company didn't check it carefully before buying it. It was only when you settled the claim that you refused to pay compensation as an excuse, and there was nothing you could do but accept it.
Three, the use of medical insurance card matters needing attention
1. Cash withdrawal is prohibited.
No unit or individual may violate the scope and requirements of the medical insurance card, and it is strictly forbidden to take cash.
2. Some provincial and municipal medical insurance cards can be used by the whole family.
In some provinces and cities, such as Zhejiang Province and Guangzhou City, the surplus funds of individual medical insurance accounts over the years can be used to pay the medical insurance expenses of employees' spouses, children, parents and other close relatives who participate in basic medical insurance, so as to realize mutual assistance among family members.
3. The following medical insurance will not be paid.
See a doctor in a non-designated medical institution or buy medicine in a non-designated retail pharmacy (except for emergency);
Self-injury caused by fighting, drug abuse or other illegal acts;
Treatment for alcoholism, suicide, self-mutilation, etc.;
Injuries caused by traffic accidents, medical accidents or other accidents;
And the situation that should be paid by individuals according to national or local regulations.
Therefore, under normal circumstances, the money in the social security card can only be used by the insured to see a doctor and buy medicine at designated medical institutions, and cannot be used by others, but there are exceptions. It will be clearer to ask the local social security bureau for details.