Important reminder!Always medical insurance!

Recently, many places have been adjusted to the method and scope of use of the funds and use of employees' medical insurance accounts, which has caused public discussion. So, what is a "personal account"? How should the money in this account be used? What impact will this adjustment on the insured?

Direct use of medical insurance personal account funds

Do not take freely

△ CCTV Finance "Zheng Dian Finance" column video

The basic medical insurance of urban employees in my country adopts the combination of social overall accounts and personal accounts. Personal account funds are specially dedicated to the personal payment part of the personal expenditure in the medical expenses such as the medical expenses incurred by the medical institutions, medical institutions for medical institutions, and retail pharmacies. Because it is dedicated to the special fund, the personal account funds of the employee's medical insurance in most regions in my country cannot be withdrawn, and there are clear regulations on the field of use.

Recently, the Beijing Municipal Medical Security Bureau issued the "Notice on Adjusting the Relevant Policies of the Urban Workers' Basic Medical Insurance in the Municipality" clearly that from September 1 this year, personal account funds have implemented accounting management. Insured personnel cannot be freely withdrawn and achieved targeted orientation Use has changed the situation that Beijing's personal accounts can be freely withdrawn in the past 20 years.

Wang Zongfan, Director of the Medical Security Research Office of the Institute of Labor and Social Security Sciences: It turned out that Beijing's personal account can be freely withdrawn. When the medical expenses need to be paid, the money is gone. We participated in medical insurance to put money on the right pocket from the left pocket, otherwise we do not need to establish medical insurance.

And whether the personal account funds that have previously been dedicated to medical insurance are still freely withdrawn. The Beijing Municipal Medical Insurance Bureau stated that it has been assigned to the personal account of personal accounts in medical insurance before September 1, and insured persons can still use them at any time in the future.

The misappropriation of medical insurance personal account funds or suspected fraud insurance

The relevant policy adjustment of employee medical insurance personal accounts has improved the funding ability of the fund, and solved the limitations of the lack of mutual aid functions of employees' medical insurance personal accounts. At the same time It is not a expenditure that does not belong to the scope of basic medical insurance.

Wang Zongfan, Director of the Medical Security Research Office of the Institute of Labor and Social Security Sciences: Because our personal account is a medical insurance fund, special funds are dedicated. It turned out that some places did put more personal accounts, such as buying fitness cards and health care products to expand it to the scope of the current policy clearly. This reform may need to take it back.

According to the regulations, designated medical institutions shall not connect the insured personnel to use medical insurance vouchers to purchase food and health products. If the insured personally uses a personal account in violation of regulations, it may be suspected of fraud.

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