With the advancement of the reform process of medical insurance personal accounts, the state's supervision of personal accounts will be stricter, and expenditures outside the scope of medical insurance cannot be consumed with the funds inside. Moreover, the medical insurance card cannot be used to buy cosmetics, health care products, health care products and other things unrelated to medical insurance. So, what are the impacts of the personal account reform of medical insurance?

What are the effects of the personal account reform of medical insurance?

1 The personal account of medical insurance is not cancelled, but the individual contributions of employees are entered into the personal account. The part paid by the unit directly goes into the social pooling account, which will be used to increase the scope of medical insurance reimbursement.

After the reform of medical insurance personal account, there are more outpatient reimbursement items, which can be reimbursed without hospitalization. The general outpatient service will cover all insured employees, and the payment ratio will start from 50%.

Personal account is more and more widely used, which can pay medical expenses for family members. In other words, a personal account can not only pay my own out-of-pocket expenses, but also pay the medical expenses of my spouse, parents and children.

Generally speaking, after the reform of medical insurance personal account, the amount of personal account can be used for medical expenses incurred by individuals in designated medical institutions, expenses incurred by individuals in purchasing medicines in designated retail pharmacies, medical consumables and personal contributions of spouses, parents and children participating in basic medical insurance for urban and rural residents.