At the end of the year, you must remember to pay the medical premiums!Recently, the medical insurance payment channel in many places is about to be closed, please pay attention to the payment time, don't miss the payment deadline Today, Xiaobao brings you a good news, your personal account of employee medical insurance, you can pay the insurance premium to the family members who participate in the resident medical insurance How to do it, let's take a look!
Who can pay the contribution with the money in the personal account?
If you are an employee basic medical insurance participant (including retirees), you can bind your personal medical insurance account to your family members through family mutual aid (Spouse, parents, children).After that, you can use the balance of your personal medical insurance account to pay the basic medical insurance premiums for urban and rural residents for your bound family members.
What are the conditions for the payment of medical insurance individual account mutual aid?
1. Someone in the family pays the basic medical insurance for employees, andThe balance in the personal account of medical insurance shall not be less than the amount required to pay the resident medical insurance fees for family membersIf there is not enough money in the personal account to make the payment, the payment will fail.
Those who need to pay resident medical insurance must be in the same overall planning area as the employee medical insurance personFor example, if the child of the employee medical insurance wants to pay the payment to the parents of the resident medical insurance, the child and the parents need to be in the same co-ordination area. At present, it does not support family mutual aid for medical insurance personal accounts across the overall planning area.
3. The payer voluntarily chooses to pay for the medical insurance account.
4. The personal account of medical insurance is bound to family members, and the use of medical insurance accounts for mutual aid payment needs to be operated by the basic medical insurance policyholders of employees, and family members who pay resident medical premiums are not supported to operate by themselves for the time being.
How to handle medical insurance personal account mutual aid?
Step 1
Find and open the "medical insurance code" through the "National Medical Insurance Service Platform", local medical insurance APP, Alipay APP, WeChat APP and other channels.
For example, the WeChat app can be accessed through "My" - Service "- City Service";In the Alipay app, you can use the "card package" - certificate "- medical insurance code".
Step two
When scanning the code for family mutual aid settlement, display the current user's medical insurance code, scan the code for settlement of the current user's medical insurance code, and deduct the balance in my account first. After the balance of the person's account is used up, the personal account of the authorized person will be withdrawn. If the user is an insured person of the domestic medical insurance and does not have a personal account, the personal account of the authorized person will be deducted. When the authorizer's personal account is insufficient, the remainder will be paid by the user's cash.
In addition to paying the resident medical insurance premiums to the family, what else can the family mutual aid do in the personal account?
After the family is mutualized, the family members who are assisted can use the personal account of the family to pay for the medical expenses incurred in the designated medical institutions, or pay the expenses incurred in the purchase of drugs, medical devices and medical consumables at the designated retail pharmacies.
How to use a personal account for family mutual aid?
The family members of the mutualized can bind the donor's medical insurance code through the "Family Account" section of the medical insurance code channel, so as to display the donor's medical insurance code on the medical insurance code service page, and use the medical insurance code to pay for the expenses that meet the regulations. Note,The medical insurance code of the authorized person cannot be directly presented, and the medical insurance code can only be used by himself, and it is illegal for others to use it. It is also possible to use the family mutual aid funds in the personal account in other ways provided by the place of insurance.
Tips
Only binding the "family account" through the medical insurance code cannot directly use the family mutual aid funds, and the authorized operation must be completed. It is necessary to file with the officially designated channels (such as the national medical insurance app, local online medical insurance channels, etc.) in advance before you can use the family mutual aid funds in your personal account.
2. There are differences in medical insurance policies in different places, please refer to your local policies.
* |China Medical Insurance.
Edit |Yang Zixuan, Zhang Wenqing.
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