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问:个人帐户资金既然归个人所有,为什么不能用于参保者家人的医疗费用支付。答:我国医疗保险目前多采用统帐结合的管理模式,其中,统筹基金主要用于大病重病的统筹调剂使用,个人帐户资金主要用于门诊等小额医疗费用的支付。医疗保险实施三年来,有些参保人员个人帐户资金累积已达数千元。个人帐户资金可累计、转移、继承,但不能提现,也不能
Q: Since individual account funds owned by individuals, why can not be used for the insured person’s family medical expenses. A: At present, the medical insurance in China adopts the unified management of accounts and bills. Among them, the overall fund is mainly used for the overall adjustment and management of serious and serious illnesses. The personal account funds are mainly used for the payment of small medical expenses such as outpatient services. In the three years since the medical insurance was implemented, the accumulated funds of some individual insured persons have reached several thousand yuan. Individual account funds can be accumulated, transferred, inherited, but can not withdraw, nor can