New Deal: One -person medical insurance, shared the whole family!What you want to know is here

There are thousands of households in medical insurance issues. Recently, the news of "Shanghai Starting the Establishment of a Medical Insurance Family" has attracted widespread attention from readers. So, what is the medical insurance family? Why does this policy introduce this policy? How to operate? ...... For the ten questions that readers are more concerned about, we have sorted out in the form of question and answer.

Q1

What is the use of personal accounts?

Answer: According to the relevant regulations of the country and the city, "personal accounts can be used to pay the insured's spouse, parents, and children in a designated medical institution or designated retail pharmacy. Personal payment for spouses, parents, and children to participate in the basic medical insurance for urban and rural residents ", that is, the residual funds for the years of the personal account of employee medical insurance, from the employees themselves, expanded to the use of family members such as spouses, parents, and children to use it. Essence

The balance of personal account funds for employees' medical insurance insurers can use the "Citizen Cloud" APP, follow the WeChat Mini Program, and apply for the "Medical Insurance" with the application of Alipay applets. Account balance over the years. Participants can also go to the service window of the Medical Insurance.

Q2

What is the significance of implementing a personal account of family accounts?

Answer: The system of social insurance is mutual help. If the medical insurance overall fund reimbursing outpatient or hospitalization medical expenses for each patient, it is a "great help", and the goal of "I am everyone, everyone is me", then the personal account funding family support ", Will build a new guarantee mechanism" I am a family, family for me ". The use of personal accounts for balance in family members can improve the efficiency of personal account protection, reduce the pressure of family cash payment, and enhance the ability of family to resist disease risks. Many citizens use their own personal account funds to buy "Huhui Bao" for their families, which is a specific practice of the "small common help" of family favors.

Q3

What are the differences between personal accounts before and after the family favors?

Answer: At the beginning of a medical insurance year on July 1st each year, the funds included in the medical insurance personal account, the account of the account of the year; after the liquidation of the year at the end of the year 30 of the following year, the funds transferred to the medical insurance personal account in accordance with regulations, It is the balance of funds in the years.

Before the family favors, the medical insurance personal accounts can be used for the insured employees to pay the outpatient clinic, hospitalized (including emergency observation), outpatient diseases, family beds, etc. at their own expenses, as well as purchasing drugs at designated retail pharmacies. It can be used to buy commercial health insurance exclusive products such as "Huhui Insurance" for family members or family members such as spouses, parents and children.

After the use of family support, the rules of personal accounts have "two changes". First, the use of objects from myself to the agreed family member can be used in accordance with regulations, regardless of professional security personnel or urban and rural residents. For example, urban and rural residents' medical insurance medical insurance Personnel can use their own medical insurance Karaka to use the personal account funds of family members to purchase medicines at designated pharmacies in medical insurance.

Q4

Does it mean after the family facilitate

Personal social security card (or medical insurance card) can be used for family members?

Answer: No. After the family favors, the insured must still use their social security card (or medical insurance card) to see a doctor for medical treatment, and enjoy my medical insurance treatment in accordance with regulations. "Two constant": that is, the rules of medical treatment are still unchanged, and it is still the reimbursement fee for my social security card (or medical insurance card); my medical insurance treatment remains unchanged before the aid, and the employee medical insurance still enjoys medical insurance for employees' medical insurance I have a corresponding treatment, and those who participate in urban and rural residents still enjoy the corresponding treatment of urban and rural residents' medical insurance.

Q5

What channels do you set up a Family Family Fair?

Answer: The organizer can search for "medical insurance personal accounts for personal accounts" through the "Following Citizen Cloud" APP, applying for WeChat mini -programs, or applying for Alipay applets, entering the "Family Family Affairs of Medical Insurance" services, setting up a family Wash.com.

Establishment people and a lot of members can maintain the maintenance and management of the family factories through the "Following Citizen Cloud" APP, applying for WeChat applets, or applying for Alipay applets. There are no restrictions on the number and time of maintenance and management operations.

The establishment of the family can maintain the family support network. When the member's information changes, the member information should be modified in time; the risk of the loss of the family mixing funding caused by the failure to maintain or change it shall be borne by the founder. The formulars can view the information on the network, choose or change the way of getting good luck, and revoke the networking of networking.

Affairs members can view the information of the founder of the family Wash.com. If you do not need a family factories, you can also choose to take the initiative to withdraw from the current family support network. The system does not support the information on the network to view other members in the network.

Q6

What are the requirements for setting up a Family Fair Network?

Answer: The founder of the Family Family Financial Network should be that the employee's medical insurance insured in the city, the accounts of the accounts over the years, and the employee medical insurance account can be used normally. The members of the mixing should be the spouse, parents, and children of the formed person, and the formed person is responsible for the authenticity of family relations. At the same time, the members of the municipalities should also be the medical insurance or urban and rural residents' medical insurance insured in the city. Personnel participating in the city's community medical mutual help plan can also be used as a member of the mission and use family a good luck in accordance with regulations.

After the establishment of the Family Inshui.com, the full personal account of the format has been used as a funding fund for the family. After the family of good luck funds is used up, the family will continue. If you join the Family Communist Nets as a lot of members, you can only be the use of good funding funds and cannot become a investor. Only the establishment can use their own accounts for accounts for the overwhelming funds to be used to the aid members. Each insured person can only join a family mixing network during the same period of time. If you need to change the family, you can quit and then join the new family goodbye network. If the elderly need to set up a family bilateral network and cannot handle it through online channels, they can go to the nearest medical insurance service window to assist in the service window personnel.

Q7

What are the ways to use family airspace?

Answer: The way of use of family good luck includes a lot of money payment and a lot of money. As a funder for the founder of the Family, after the network is successful, you can choose the use of a lot of funds. You can choose one or two to choose. You can use the favors after confirmation.

Free payment refers to the order of the settlement of the family of good luck in the order of the medical insurance settlement of members of the family, and is used to pay for self -affordable medical expenses. The self -negative medical expenses incurred by the amented members in the designated pharmaceutical institution. If it is a professional security personnel, they must use their personal accounts to pay for the balance of funds in the years. It is a medical insurance personnel in urban and rural residents. Because they have no personal account, they can use family airspace to pay directly.

The payment fee refers to the use of family mixed funds for the use of the family, pay the basic medical insurance premiums in urban and rural residents in the city, and purchase exclusive products of the city's commercial health insurance.

Family funding funds belong to the personal account fund of employee medical insurance. The costs of the payment of the municipality are not included in the various burden reduction policies, residents' serious illness insurance, and medical assistance.

Q8

Who is the ownership of family airspace?

Is it incorporated into daily medical insurance supervision?

Answer: Family a lot of funds belong to the family of Family Affairs Network. They belong to the personal account fund of employee medical insurance. The transfer, inheritance, transfer, and supervision shall be implemented in accordance with the relevant regulations of the basic medical insurance of the city. If a member of the mobility is violated by the regulations, the use of family a good funds shall bear the corresponding legal responsibility.

Q9

Can fixed -point retail pharmacies be used for good luck?

Answer: Yes. Afflescence members can use good funding funds to purchase drugs at designated retail pharmacies, and also use family mixed funds to purchase new crown virus antigen detection test agents and medical protective masks. In accordance with the unified rules, the fee paid by the use of family airspace funds in fixed -point retail pharmacies is not included in the negative section of the emergency department of the staff and the employee's medical insurance outpatient for the establishment, or the urban and rural residents' medical insurance outpatient emergency payment line.

Q10

How to arrange the specific time?

Answer: Considering that the use of personal account funds, the use of family support needs to be implemented after the establishment of a family, and set the July as a network period. It has been reserved for one month to facilitate the establishment of a family foremoon network for employees in the city. Special reminders that we can still be compiled after August, but considering facilitating the good use of family membership funds for medical treatment, reducing the waiting time for the waiting time for medical institutions to reserve enough time Choose a way to get a lot of ways.

Regarding the specific problem of the use of personal accounts for personal accounts, you can call the medical insurance consulting service hotline 12393.

Xinmin Eye Studio

Author | Tu Yu

Edit | Gu Yingying

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