How to use Qinghai medical insurance family account?

Family members can use family accounts in the following ways:

1. Medical treatment settlement: When family members go to medical institutions for treatment, they can use family economic accounts to settle medical expenses. The medical insurance agency will deduct the corresponding amount from family account according to the actual situation of medical expenses.

2. Reimbursement for drug purchase: Family members can choose to use family account for reimbursement when purchasing drugs. After purchasing drugs, family members need to provide medical insurance agencies with drug purchase invoices and related reimbursement materials. Medical insurance agencies after the audit, the corresponding fees will be returned to family account.

3. Outpatient expense reimbursement: Family members can use family account for expense reimbursement when seeking medical treatment in outpatient department. After seeing a doctor, family members need to provide medical insurance agencies with relevant invoices and reimbursement materials for outpatient expenses. Medical insurance agencies after the audit, the corresponding fees will be returned to family account.

It should be pointed out that:

There are certain restrictions on the use of family account. Specific restrictions may vary from region to region, and family members should abide by local medical insurance policies and regulations to ensure compliance with the use requirements.

The application and management process of Qinghai Medical Insurance family account includes the following steps:

First of all, the applicant needs to prepare relevant materials, such as ID card and household registration book, and fill in the application form. Then, submit the application form and related materials to the local medical insurance department for review. After approval, the applicant will get a family account. Next, the applicant can manage the account by logging in to the official medical insurance website or calling, including checking the account balance, paying medical insurance fees, and applying for reimbursement. In addition, the applicant can also manage the account through the bank or payment platform designated by the medical insurance department. It should be noted that the applicant should pay the medical insurance premium in time, and keep the account balance sufficient to ensure the enjoyment of medical security benefits.

Qinghai Medical Insurance family account is an overall fund paid by family members, which is convenient for paying medical expenses. To open an account, you need to provide relevant materials, including ID card and medical insurance card. It can be used for medical settlement, drug purchase reimbursement and outpatient expense reimbursement. Use must comply with local medical insurance policies and regulations. The application and management process includes preparing materials, submitting for review, obtaining accounts, online management or management through designated banks and payment platforms. Please pay the medical insurance premium in time, keep the account balance sufficient and enjoy the medical insurance benefits. Qinghai Medical Insurance family account provides convenient and efficient medical security services.

To sum up: family recipients use their own social security cards for settlement, which is limited to the use of drugs in designated hospitals or pharmacies within the urban area, and cannot be used in hospitals. Outpatient expenses incurred outside the urban area shall be reimbursed according to the old method temporarily afterwards.

Legal basis:

Regulations of People's Republic of China (PRC) Municipality on Basic Medical Insurance for Urban Workers

Article 8

The monthly payment salary of employees is determined according to their actual total wages, but it shall not be less than 60% of the average monthly salary of employees in the city, county and autonomous county where it is located. The following medical insurance premiums that should be paid by myself shall be paid by the employer.

Article 9

The part where the total monthly salary of employees exceeds 300% of the average monthly salary of employees in cities, counties and autonomous counties in the previous year will not pay the basic medical insurance premium, nor will it be used as the base for the approved personal account quota.