Can the baby use his mother's if he doesn't pay medical insurance?

The baby can use the mother's medical insurance card without medical insurance. According to the legal provisions of medical insurance, newborns can use their mothers' medical insurance, and the reimbursement of medical expenses incurred is calculated in combination with their mothers. At the same time, parents have the obligation to pay fees and the right to use medical insurance funds for treatment. Children can naturally use their parents' medical insurance when they are born.

Moreover, according to the legal reimbursement standard, if a newborn is hospitalized at birth, it can be supplemented with medical insurance and reimbursed. Female employees who participate in social security in the birth year can be automatically included in medical insurance from the date of birth and enjoy medical insurance benefits together with female employees' social security. However, if the child is hospitalized, he can only use his own medical insurance card for social security reimbursement.

If the child has not yet applied for medical insurance, he can directly bind his parents' medical insurance. After binding, you can directly use your parents' social security card and deduct the personal account balance of your parents' social security card. Children can use their parents' medical insurance cards and only use the money in their personal accounts.

Babies can use their parents' medical insurance if they have it. However, adults still need to apply for a medical insurance card for their baby in time. After the application is successful, the baby can use the medical insurance card for reimbursement, otherwise all expenses need to be paid at his own expense.

Personal medical insurance accounts can be used to pay the medical expenses incurred by the insured and their spouses, parents and children in designated medical institutions.

Legal basis:

Guiding Opinions of the General Office of the State Council on Establishing and Improving the Economic Security Mechanism for Employees' Basic Medical Insurance Outpatients (V) Standardize the scope of personal accounts.

Personal accounts are mainly used to pay out-of-pocket expenses of insured persons within the policy scope of designated medical institutions or designated retail pharmacies. It can be used to pay the medical expenses incurred by the insured and their spouses, parents and children in designated medical institutions, as well as the expenses incurred by individuals in purchasing drugs, medical devices and medical consumables in designated retail pharmacies. Explore the personal accounts of spouses, parents and children participating in the basic medical insurance for urban and rural residents. Personal accounts shall not be used for public health expenses, physical fitness or health care consumption and other expenses that are not covered by the basic medical insurance. Improve the management measures for the use of personal accounts and do a good job in the statistics of income and expenditure information.