Why should the personal account of Beijing basic medical insurance be used in a targeted way？ Official question and answer

　　According to Beijing Daily, why should the personal account of basic medical insurance be used in a targeted way? Beijing Medical Insurance Bureau answers questions — —

　　1, the basic medical insurance personal account why directional use?

　　A: According to the national regulations on the management of basic medical insurance funds, the funds in personal accounts should be used for special purposes. Through the gradual accumulation of funds in personal accounts, medical reserves will be formed to solve the burden of medical expenses for individuals and family members and enhance their ability to resist risks. Through the mutual use of personal accounts by family members, the burden of family cash payment will be reduced, and a new guarantee mechanism of "I am for my family and my family is for me" will be constructed.

　　2. What is the order in which family members help each other to use personal accounts?

　　Answer: When the spouses, parents and children of the insured use the personal accounts of the insured in the designated medical transfer institutions or retail pharmacies, they should first use the funds in their personal accounts, and then use the funds in other people’s personal accounts in the order of filing.

　　3. How can the insured inquire about the funds in the personal account?

　　A: From September 2022, from the 1st to 5th of each month, the medical insurance agency will complete the transfer of funds into the personal accounts of employees and retirees according to the collection of medical insurance fees. After that, the insured can inquire about the transfer, interest settlement and use of personal account funds in the "I want to check" menu of Beijing medical insurance public service platform, the official website of Beijing Medical Insurance Bureau or the window of agencies in various districts.

　　If the transfer of personal account funds cannot be found before the 5th of each month, please wait patiently for the insured, and then inquire after the 5th.

　　For the personal account funds allocated before September 1, 2022, the insured can still withdraw freely, and continue to inquire through Bank of Beijing or the entrusted issuing bank.

　　4, how to use the basic medical insurance personal account funds to buy supplementary medical insurance in this city?

　　A: From September 1, 2022, the insured person can use the funds in his personal account to purchase supplementary medical insurance in this city for himself (at this stage, it refers to purchasing Beijing Pratt & Whitney Health Insurance); From December 1st, 2022, the insured can purchase the supplementary medical insurance for their spouses, parents and children (at this stage, it refers to the purchase of Beijing Pratt & Whitney Health Insurance). When purchasing, you should ensure that your personal account can be paid in full.

　　5. What expenses incurred in designated retail pharmacies can be paid with personal accounts?

　　A: First, the expenses paid by individuals for purchasing drugs in the medical insurance catalogue; The second is the expenses borne by individuals for purchasing drugs, medical devices and medical consumables outside the medical insurance catalogue.

　　6. How does the insured handle the filing of personal account for family members to help each other?

　　A: From October 15, 2022, the insured can go through the Beijing Medical Insurance Public Service Platform (hereinafter referred to as the "Medical Insurance Public Service Platform", the website address is: https://fw.ybj.beijing.gov.cn/halIEnter), official website of Beijing Medical Insurance Bureau or the window of the agencies in various districts to handle the filing of mutual aid. After the successful filing, the personal account funds can be used together from December 1, 2022.

　　7. What channels can be modified for personal account family members to help each other?

　　Answer: The mutual aid object can modify the order of mutual aid accounts through the medical insurance platform, the official website of Beijing Municipal Medical Security Bureau or the window of the agencies in each district.

　　8, the basic medical insurance personal account funds into the date of each month?

　　A: From September 1, 2022, before the 5th of each month, the medical insurance agency will complete the transfer of personal accounts of employees and retirees according to the collection of medical insurance fees.

　　9. Is the personal account of basic medical insurance for people resettled in different places used directionally?

　　A: Since September 1, 2022, the personal accounts of people resettled in different places have the same management mode and interest-bearing method as those of the insured in this city. The funds that have not been distributed or mailed to the issuing bank account before the personal account is used directionally are still managed according to the original mode.

　　10. Under what circumstances do I need to enter the payment password to use the funds in the personal account of the basic medical insurance?

　　Answer: Except for emergency registration, medical insurance electronic certificate and direct settlement of medical treatment in different places, you need to enter the personal account payment password when using personal account to settle medical expenses in designated medical institutions (hospitals and pharmacies). Before September 1, 2022, Bank of Beijing will inform the insured person of the initial password of his personal account by SMS. The initial password can be used without activation, and the personal account can also set a limit for confidential payment.