医疗保险卡能给家人用吗？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">爱好</span>就点<span style="color: black;">蓝字</span>关注我吧！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">我有一个<span style="color: black;">伴侣</span>，前段时间<span style="color: black;">孩儿</span><span style="color: black;">患病</span>了，他拿自己的<span style="color: black;">医疗保险</span>卡去给<span style="color: black;">孩儿</span>看病，结果医院不同意，他很生气的说：怎么我的卡给我自己<span style="color: black;">孩儿</span>用都不行吗？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">抱歉，还真的不行。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">1</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">医疗保险</span>卡里的钱<span style="color: black;">能够</span>给家人用吗？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">倘若</span><span style="color: black;">医疗保险</span>卡里的钱<span style="color: black;">指的是</span><span style="color: black;">医疗保险</span>个人账户余额的话，这是<span style="color: black;">能够</span>的。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">参加了<span style="color: black;">医疗保险</span>后，<span style="color: black;">经过</span>办理</span><span style="color: black;"><span style="color: black;">医疗保险</span>个人账户“家庭共济”，个人账户是<span style="color: black;">能够</span>授权给已参保的父母、配偶和子女<span style="color: black;">运用</span>的，<span style="color: black;">例如</span>用于支付合规医药<span style="color: black;">花费</span>中的个人自付部分等。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">举个例子，张三的儿子李四<span style="color: black;">患病</span>了，李四<span style="color: black;">看病</span>购药<span style="color: black;">必须</span>个人<span style="color: black;">包袱</span>100元。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">然则</span>李四<span style="color: black;">医疗保险</span>卡个人账户<span style="color: black;">无</span>钱了，可是张三<span style="color: black;">医疗保险</span>个人账户里还有余额，办理<span style="color: black;">“家庭共济”</span>后，李四就<span style="color: black;">能够</span><span style="color: black;">运用</span>张三<span style="color: black;">医疗保险</span>个人账户里的钱支付这100元，这<span style="color: black;">便是</span><span style="color: black;">“家庭共济”</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这儿</span>有几个前提<span style="color: black;">前提</span>： </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">①张三和李四<span style="color: black;">同期</span>办理了<span style="color: black;">医疗保险</span>共济，并且在家庭共济名单内 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">②李四<span style="color: black;">运用</span>自己的<span style="color: black;">医疗保险</span>进行治疗 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">③李四<span style="color: black;">医疗保险</span>个人账户余额不足以支付 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">④张三<span style="color: black;">医疗保险</span>个人账户余额足够支付 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">四个<span style="color: black;">前提</span>，缺一不可 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">然则</span>！</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">倘若</span>直接拿着张三的<span style="color: black;">医疗保险</span>卡，用张三的名义去治疗<span style="color: black;">而后</span>申请<span style="color: black;">医疗保险</span>报销，</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">那是万万不可的！<span style="color: black;">亦</span>是法律不<span style="color: black;">准许</span>的！</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">2</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">怎样</span>办理家庭共济？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">参保人（<span style="color: black;">通常</span>是共济人）可<span style="color: black;">经过</span>：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">国家<span style="color: black;">医疗保险</span>服务平台APP<span style="color: black;">地区</span>专区、当地<span style="color: black;">医疗保险</span><span style="color: black;">分部</span><span style="color: black;">微X</span>公众号、官方<span style="color: black;">网</span>等“职工<span style="color: black;">医疗保险</span>个人账户‘</span><span style="color: black;">家庭共济</span><span style="color: black;">’”功能模块，实现线上办理，<span style="color: black;">详细</span>途径由各<span style="color: black;">统一</span>区<span style="color: black;">医疗保险</span><span style="color: black;">分部</span>向社会公开；操作智能设备困难的老年人等特殊群体，<span style="color: black;">亦</span><span style="color: black;">能够</span>在线下<span style="color: black;">医疗保险</span>大厅办理。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">以郑州市为例：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">①<span style="color: black;">微X</span>中搜索“河南<span style="color: black;">医疗保险</span>”进入小程序</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q8.itc.cn/q_70/images03/20240513/d48484234f9c4c4ebb1aaa9fe9800a87.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">②<span style="color: black;">选取</span>“家庭共济”进入设置</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q8.itc.cn/q_70/images03/20240513/767599376d2a4c679848348710d6ca7f.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">③先在“家庭信息<span style="color: black;">守护</span>”中填写<span style="color: black;">自己</span>信息</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q1.itc.cn/q_70/images03/20240513/1364efe636a844ee8231510acdd59bbd.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">④<span style="color: black;">而后</span>在“家庭成员信息<span style="color: black;">守护</span>”中，新增人员信息</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q8.itc.cn/q_70/images03/20240513/76fc5e5f73ba4809ae45f00eb783bd6a.jpeg" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">这般</span>就完<span style="color: black;">成为了</span>家庭账户共济。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">必定</span>要<span style="color: black;">重视</span>：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">①<span style="color: black;">仅有</span>在共济账户内的人才<span style="color: black;">能够</span><span style="color: black;">运用</span>共济功能</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">②未参保人员<span style="color: black;">不可</span>参加账户共济</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">仅有</span>办理了职工<span style="color: black;">医疗保险</span>个人账户“</span><span style="color: black;">家庭</span><span style="color: black;">共济</span><span style="color: black;">”的家庭成员<span style="color: black;">才可</span>享受个人账户“</span><span style="color: black;">家庭共济</span><span style="color: black;">”政策。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">如：张三的妈妈、儿子和岳父都参加了职工<span style="color: black;">医疗保险</span>，<span style="color: black;">况且</span>个人账户都有余额。其中<span style="color: black;">仅有</span>他的儿子跟张三办理了<span style="color: black;">“家庭共济”</span>，张三只能用儿子个人账户的余额进行<span style="color: black;">花费</span>的支付。妈妈的账户<span style="color: black;">由于</span><span style="color: black;">无</span>办理职工<span style="color: black;">医疗保险</span>个人账户<span style="color: black;">“家庭共济”</span><span style="color: black;">不可</span>用于共济支付。岳父不属于<span style="color: black;">“家庭共济”</span>成员的范畴，<span style="color: black;">不可</span>办理<span style="color: black;">“家庭共济”</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">职工<span style="color: black;">医疗保险</span>参保人<span style="color: black;">医疗保险</span>卡里的个人账户基金是<span style="color: black;">能够</span>给父母、配偶、子女<span style="color: black;">运用</span>的，但<span style="color: black;">必要</span>符合两个前提：一是父母、配偶、子女<span style="color: black;">亦</span>参加了基本<span style="color: black;">医疗保险</span>（<span style="color: black;">包含</span>职工<span style="color: black;">医疗保险</span>和居民<span style="color: black;">医疗保险</span>）；二是办理了职工<span style="color: black;">医疗保险</span>个人账户<span style="color: black;">“家庭共济”</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">同期</span><span style="color: black;">必须</span><span style="color: black;">重视</span>：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">一是<span style="color: black;">“家庭共济”</span>成员不<span style="color: black;">包括</span>配偶的父母；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">二是被共济人<span style="color: black;">不可</span>享受共济人的<span style="color: black;">医疗保险</span>报销<span style="color: black;">薪水</span>，即<span style="color: black;">能够</span>把个人账户里的钱给父母<span style="color: black;">运用</span>，<span style="color: black;">然则</span>父母看病能报多少还是依据<span style="color: black;">她们</span>所参加的<span style="color: black;">医疗保险</span>制度来，参加职工<span style="color: black;">医疗保险</span>的，享受职工<span style="color: black;">医疗保险</span>的相应<span style="color: black;">薪水</span>；参加居民<span style="color: black;">医疗保险</span>的，享受居民<span style="color: black;">医疗保险</span>的相应<span style="color: black;">薪水</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">3</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">办理“家庭共济”后，<span style="color: black;">看病</span>购药应该<span style="color: black;">运用</span>谁的<span style="color: black;">医疗保险</span>卡？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">没</span>论在任何<span style="color: black;">状况</span>下，</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">看病</span>购药都<span style="color: black;">必要</span><span style="color: black;">运用</span><span style="color: black;">病人</span><span style="color: black;">自己</span>的<span style="color: black;">医疗保险</span>卡</strong>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">“家庭共济”</span>政策“共济”的是职工<span style="color: black;">医疗保险</span>参保人<span style="color: black;">医疗保险</span>卡个人账户的钱，而非<span style="color: black;">医疗保险</span>卡本身。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">不<span style="color: black;">运用</span><span style="color: black;">自己</span>的<span style="color: black;">医疗保险</span>卡就诊会有什么后果？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">不<span style="color: black;">运用</span><span style="color: black;">自己</span><span style="color: black;">医疗保险</span>卡进行挂号<span style="color: black;">看病</span>是“冒名<span style="color: black;">看病</span>”，</span><span style="color: black;"><strong style="color: blue;">轻则暂停医疗<span style="color: black;">花费</span>联网结算，重则<span style="color: black;">形成</span>违法犯罪</strong>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">家里的老人行动<span style="color: black;">不方便</span>，子女<span style="color: black;">能够</span>代买药吗？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">能够</span>。《医疗<span style="color: black;">保证</span>基金<span style="color: black;">运用</span>监督管理条例》第十七条第二款<span style="color: black;">知道</span>规定：“因特殊<span style="color: black;">原由</span><span style="color: black;">必须</span><span style="color: black;">拜托</span>他人代为购药的，应当<span style="color: black;">供给</span><span style="color: black;">拜托</span>人和受托人的身份证明。”</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">因此呢</span>，</span><span style="color: black;"><strong style="color: blue;">在老人行动<span style="color: black;">不方便</span>等特殊<span style="color: black;">状况</span>下，子女<span style="color: black;">能够</span>代为购药</strong></span><span style="color: black;">。但在购药时<span style="color: black;">必须</span><span style="color: black;">运用</span>服药者<span style="color: black;">自己</span>的<span style="color: black;">医疗保险</span>卡，并出示<span style="color: black;">拜托</span>人和受托人的身份证明。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">4</strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">对购买<span style="color: black;">商场</span>保险有<span style="color: black;">无</span>影响？</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">家庭共济<span style="color: black;">状况</span>下，家人<span style="color: black;">运用</span>的是被共济人<span style="color: black;">医疗保险</span>个人账户余额，不会对持卡人购买<span style="color: black;">商场</span>保险有任何影响。 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">以下两种<span style="color: black;">状况</span><span style="color: black;">亦</span>不影响： </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">①个人持<span style="color: black;">自己</span>卡在定点药店购买非处方药</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">②个人持<span style="color: black;">自己</span>卡在<span style="color: black;">选定</span>药店为家人购买非处方药 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">以下<span style="color: black;">状况</span>会影响： </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">①个人持<span style="color: black;">自己</span>卡在医疗<span style="color: black;">公司</span>的治疗、<span style="color: black;">检测</span>记录，投保时候需如实<span style="color: black;">通知</span> </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">②个人持<span style="color: black;">自己</span>卡在<span style="color: black;">选定</span>药店购买处方药（处方药<span style="color: black;">无</span>处方是<span style="color: black;">没</span>法开出来的，既然有处方，那肯定在医院有记录），投保时候要如实<span style="color: black;">通知</span>。 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">Ps:我国购买<span style="color: black;">商场</span>保险<span style="color: black;">日前</span>采用的是“ <span style="color: black;"><strong style="color: blue;">询问回答</strong></span>”制， </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">意思<span style="color: black;">便是</span>，投保人和被保险人只<span style="color: black;">必须</span>如实<span style="color: black;">通知</span>保险<span style="color: black;">机构</span>制式合同中提出的问题就<span style="color: black;">能够</span>了，至于<span style="color: black;">无</span>问到的部分，嘿嘿嘿，你懂吗？ </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">-<span style="color: black;">End</span>-</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">往期精彩<span style="color: black;">举荐</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">保险法商课丨给女儿买的保险，她离婚保单会分割吗？</p>
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<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">外链论坛：http://www.fok120.com/</p>
说得好啊！我在外链论坛打滚这么多年，所谓阅人无数，就算没有见过猪走路，也总明白猪肉是啥味道的。 你的话深深触动了我，仿佛说出了我心里的声音。 外贸B2B平台有哪些？ 你的话语如春风拂面，温暖了我的心房，真的很感谢。
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