In terms of solving the problem of insufficient personal medical insurance, the medical insurance model of family mutual aid has brought innovation to medical insurance. In addition, it encourages family members to merge their own health insurance accounts, which to some extent alleviates the problem of narrow private health insurance coverage and improves the level of medical protection for residents.
01
What is a Personal Account Family Mutual Aid?
Medicare Personal Account Family Mutual Aid is an innovative medical insurance model that allows you to connect your personal medical account to your family (including your spouse, parents, and children) through a family support program if you are enrolled in basic employee health insurance (including retirees).
In this way, you can use the balance in your health insurance account to pay for the out-of-pocket medical expenses incurred at specific hospitals for those dependents who have been linked to your account, including the personal payment portion of drugs, medical equipment and other medical products purchased at designated pharmacies, and can use this balance to pay for the medical insurance premiums of rural and urban residents of your family members.
02
The scope of application of medical insurance personal accounts has been further expanded
According to an official announcement from your local health insurance administration, the balance in your personal health insurance account can now be used to assist your family members in paying their health insurance premiums.
By merging employees' personal health insurance accounts with those of other family members, a new, more inclusive health care system has been created.
As an important part of the social security system in mainland China, resident medical insurance has played an extremely important role in the payment of funds from employees' personal medical insurance accounts. It has made comprehensive social security services accessible to more people, thereby increasing the effectiveness and impact of our entire social security system.
So in this medical security system that has been given new vitality, how do we make good use of the function of "family mutual aid"? Here, I will explain in detail the conditions for the use of family mutual aid, the binding operation steps, and the scope and method of use.
03
What are the conditions for setting up a personal account for family mutual aid?
When using a medical insurance personal account, you must meet the following three requirements:
1. Employee medical insurance participants and urban and rural residents medical insurance participants need to complete the binding of family members and ensure that the payment has been completed;
2. Employee medical insurance should be in a valid insurance state;
3. The balance in the employee's personal account for medical insurance should be sufficient to cover the amount applied for refund (i.e., to pay for the cost of participating in the medical insurance for urban and rural residents).
04
How to apply for medical insurance account mutual aid?
1. Employee medical insurance participants need to log in to the national medical insurance service APP or local medical insurance APP, Alipay, etc., and find and click the "Family Mutual Aid" online application button
2. Follow the instructions to bind family members to the domestic health insurance
3. Authorize family members to use their personal account balances
05
How do I use the family mutual aid funds in my personal account?
By setting up a "Family Account", family members are able to bind and authorize a person's health insurance QR code. In this way, the QR code can be displayed on the medical insurance QR code service page and used to pay for related expenses. However, please note that each medical insurance QR code can only be used by the person, and it is strictly forbidden for others to use it on their behalf.
When making a family mutual aid settlement, the current user's medical insurance QR code must be presented, and the settlement and fund deduction must be completed by scanning the QR code. The fee is first paid from the current user's personal account balance, and if the balance is insufficient, it is deducted from the authorized personal account.
If the user is a covered person under domestic health insurance but does not have a personal account, the fee will be deducted from the personal account to which the user has been granted. When the balance in the authorizer's account is insufficient to pay, the difference will be made up by the user in cash.
06
Don't confuse the "family account" and "family mutual aid" of medical insurance
However, when we discuss these issues, we inevitably come across some potentially confusing concepts, such as "family accounts" and "personal accounts". While these two concepts may sound similar, their actual meanings are very different.
The "Family Account" is a sub-account bound to your personal medical insurance account, which has functions such as helping family members activate medical insurance electronic vouchers and inquire about annual medical expenses.
"Family aid" refers to authorizing family members to use the balance in your health insurance account to pay for their medical expenses.
Write at the end
In summary, whether it is a "family account" or a "family mutual aid", they are helping us solve the problem of medical security in their own ways, so that we can get more comprehensive and timely protection in the face of health problems. And each of us should also understand these systems and understand how to use them to improve the level of health care for ourselves and our families.