Legal analysis: the personal account of employee medical insurance can be used by family members. Personal accounts are mainly used to pay the out-of-pocket expenses incurred by the insured in designated medical institutions or retail pharmacies, and can be used to pay the medical expenses incurred by the insured himself and his spouse, 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.

Legal basis: Article 5 of the Guiding Opinions of the General Office of the State Council on Establishing and Improving the Economic Security Mechanism for Employees' Basic Medical Insurance Outpatients stipulates the scope of individual 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.