"I am insured in Shijiazhuang, and my wife is insured in Xingtai. Unexpectedly, when she was hospitalized this time, the money in my medical insurance personal account could also be used by her. ”
In March this year, Ms. Guo, an insured person in Xingtai, Hebei Province, saw a doctor for kidney stones, and spent a total of 20,000 yuan during the treatment, of which more than 10,000 yuan was reimbursed by medical insurance. Her husband, Mr. Zhu, was insured in Shijiazhuang, and after learning that Hebei Medical Insurance supported the "family mutual aid" in different places in the province, he immediately added Ms. Guo to his family mutual aid list, and used the money in his personal medical insurance account to pay more than 6,000 yuan for his wife's medical expenses on the same day.
The reason why Mr. Zhu was able to use the money from his personal account to "pay" for his wife who was insured in different places in the province was based on the cross-regional mutual aid function of the medical insurance personal account realized in Hebei Province in April 2023. Relying on the national unified medical insurance information platform, the Hebei Provincial Medical Insurance Bureau has developed the outpatient mutual aid management module of the "Hebei Smart Medical Insurance" applet, and the insured employees can use the outpatient mutual aid management module to bind their immediate family members in the province in the way of voluntary authorization, so as to realize the binding of mutual aid relationship.
Since 2023, the Hebei Provincial Medical Insurance Bureau has continued to expand the scope of mutual aid and improve convenience. At present, Hebei Province's medical insurance personal accounts have settled a total of 5,042,600 mutual aid medical treatment and drug purchases, and 1,483,000 personal accounts have been used to pay resident medical premiums.
Insured persons in Jiangsu, Guangdong and other places can also give the balance of their personal medical insurance accounts to their immediate family members who are insured in other cities in the province.
Ms. Liu is a member of the employee medical insurance in Suzhou, Jiangsu Province, and her parents are enrolled in the medical insurance for urban and rural residents in Nantong City, Jiangsu Province. In the past year, the two elderly people have directly used the balance of Ms. Liu's personal account of nearly 7,000 yuan when they were seeking medical treatment and purchasing drugs in Nantong City, so that Ms. Liu could present a "love gift" to her parents in a different place.
At the beginning of 2023, Jiangsu will launch the family mutual aid business of employees' medical insurance personal accounts in the whole province. At present, a total of 6.529 million people have handled family mutual aid business in personal accounts, and the number of family mutual aid settlements is 27.492 million, of which 2.18 million are cross-coordination area family mutual aid settlements.
Mr. Huang's son from Heyuan City, Guangdong Province, is studying at a university in Guangzhou. From 2023 onwards, Mr. Huang has used the funds from his personal account for employee medical insurance to pay premiums for his son's participation in Guangzhou Resident Medical Insurance for two consecutive years. "You can do it online, which is very convenient." Mr. Huang said. In April 2024, Mr. Huang's father was transferred from Heyuan City to Guangdong Provincial People's Hospital for surgery due to a sudden illness, and the medical expenses paid by him were successfully paid by Mr. Huang's medical insurance account through the "Family Mutual Aid".
At present, in Hebei, Jiangsu and other places, the balance of the personal account of the employee insured can not only be used to the immediate family members of the insured in other places in the province, but also the mutual aid funds can also be used across provinces.
"The money in my personal account can be used by my mother, and it can be used when I go out of the province, which really saves us!"
In April this year, Ms. Dong, an insured person in Tangshan City, Hebei Province, was hospitalized at Xuanwu Hospital of Capital Medical University in Beijing for "paroxysmal atrial fibrillation". Xiao Gao, the son of an insured person in Hebei, used the money in his personal medical insurance account to pay for his mother's medical expenses "across provinces".
It is understood that medical insurance departments across the country have successively developed WeChat applets or APPs to facilitate more insured people to enjoy the "family mutual aid" policy. Of course, while enjoying the "family mutual aid" policy of medical insurance personal account conveniently and quickly, for the safety of the medical insurance fund and your personal health, please keep in mind that the money in the medical insurance personal account can be shared and the card cannot be shared.
Source | National Health Insurance Administration
Edit | Fu Meiru Liu Xinyu
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