There are two accounts for employee medical insurance, namely, the overall account and the individual account. The overall account is the account paid by the enterprise, and the personal account is the account paid by us.

202 1 After the latest medical insurance regulations, 100% of the medical insurance expenses paid by enterprises will enter the overall fund, and the increased medical insurance expenses will be invested in * * * economic security, forming a new security mechanism; At the same time, the medical insurance personal account system will be opened. According to this year's new regulations, corporate contributions will no longer be partially transferred to personal accounts.

Can I withdraw money from my personal medical insurance account? The answer is, no!

Since you can't take it out for use, can you only keep the money to look good? Of course not.

Do you know the six common uses of medical insurance?

See a doctor and stay in a designated hospital. Medical expenses that do not belong to the scope of medical insurance reimbursement and need to be borne by individuals can be paid with medical insurance personal accounts. (excluding the expenses of beauty, bodybuilding, non-functional cosmetic surgery, orthopedic surgery and various non-disease treatments such as weight loss, weight gain and height increase)

Vaccinate the second-class preventive immunization vaccine in designated medical institutions. Medical expenses such as cervical cancer /HPV vaccine and influenza vaccine can be paid by medical insurance personal account. Nanjing, Shenzhen and some other areas.

At the designated drugstore. When purchasing drugs (quasi-brand drugs, Chinese herbal pieces), medical devices (food and drug supervision machinery word, drug supervision machinery word) and disinfection products (Xiao Weizi word), you can use the medical insurance personal account to pay.

Handle family assistance. Set aside some funds (more than 2,000 yuan) from the surplus funds of employees' personal medical insurance accounts to set up family account, so that the money in personal medical insurance accounts can be used by family members (parents, minor children, spouses and other immediate family members). When using, you must first bind the medical insurance cards of other family members. After the binding is completed, the family members still use their own medical insurance cards to register or buy medicines, but the money can be directly deducted from another person's card. In this way, the money we don't need in our personal account can be used by our families. Attention should be paid to immediate family members. It is not enough to have seven aunts and eight aunts.

In the prescribed health inspection institutions. Some cities can also use personal accounts to pay medical examination fees at designated medical institutions. For details, please call the local social security consultation telephone number 12333.

The purchase of commercial health insurance that is connected with the basic medical insurance and does not have the nature of financial investment can also be paid by the personal account of medical insurance. For example, personal accounts can be used to pay local Huimin insurance.

In addition, there are some special circumstances, such as the personal account of employee medical insurance in Beijing can be withdrawn. Take your ID card and medical insurance passbook to Bank of Beijing, and you can also set up an associated bank card, which will be automatically credited to your account, and you will get an extra pocket money every month. It's beautiful to think about it!