The differences between kinship account and family mutual aid are: different handling channels, different insured places, different application scenarios and different corresponding relationships.

Difference 1: The handling channels are different.

"family account" is a convenience function introduced by the electronic certificate of the National Medical Insurance Bureau to facilitate the elderly and children to apply for medical insurance. It solves the problem of not carrying a "physical card", which has nothing to do with the balance of the medical insurance account.

"Family mutual assistance" means that some people have a large personal account balance and are willing to authorize their parents or children to use it. After authorization, children and the elderly go to the hospital to buy medicine, and the part that needs to be paid in cash can be paid by the authorized person's personal medical insurance account.

Difference 2: The participating places are different.

"family account" requires the insured to participate in basic medical insurance in China, not in the same overall planning area. "Family Mutual Assistance" requires both the authorized person and the authorized person to participate in the basic medical insurance in this city, and the authorized person must be a normal insured employee.

Difference 3: The application scenarios have different functions.

"family account" is to help relatives who apply for medical insurance to activate electronic certificates. When you see a doctor, you can take out your mobile phone to show your relatives' medical insurance electronic certificate, which can realize the application of expanding the code and does not involve others using the funds in the medical insurance personal account. "Family Mutual Assistance" is to authorize employees to use the funds in personal medical insurance accounts (i.e. medical insurance cards and medical insurance electronic certificate) for their relatives.

Difference 4: The corresponding relationship is different.

Family account can add up to 5 people, and the relationship is two-way. The same insured can add relatives or be added by relatives. The binding of family mutual assistance is one-way. The same insured person can only bind or bind 1 time at the same time, and at most 6 people can be authorized to bind.

Legal basis: Article 5 of the Guiding Opinions of the General Office of the State Council on Establishing and Improving the Outpatient Mutual Assistance Guarantee Mechanism for Employees' Basic Medical Insurance.

Standardize the use 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.