Recently，Zhejiang Provincial Human Resources and Social Affairs Department and relevant departments jointly issued the "Notice on Further Adjusting and Performing Policies of Personal Accounts for Personal Medical Insurance in Employees"。According to regulations，From August，Zhejiang's personal account & ldquo; Family W gram & rdquo; policy，Personal accounts can pay spouses in the end of the year、Children、Parent's medical security costs。A close relative who implements a family factories shall be insured for basic medical insurance for the province。For related issues，The reporter interviewed the person in charge of the relevant department of Zhejiang Human Resources and Social Affairs Department。

 

  1 Ask why do you want to do family favors

 

  Adjust personal account，Activate the precipitation funds，Optimized financial fund arrangement

 

  Reporter: What is the background of family support in Zhejiang?

 

  The person in charge of the relevant department of the Human Resources and Social Affairs Department of Zhejiang Province: As of 2015，51.95 million basic medical insurance participants in Zhejiang Province。Where，employee medical insurance 19.93 million people，Resident medical insurance 32.02 million people; the participation rate reaches more than 96%，Basic realization should be guaranteed，The whole province has entered the era of national medical insurance。

 

  At the same time，The historical mission of personal account has changed。& ldquo; Twelve five & rdquo;，Zhejiang established a policy of overall medical insurance clinics，Used stake betting appto ensure the needs of employees' outpatient clinics，Basically replaced the role of the original personal account in the entire employee medical insurance system。

 

  The current precipitation of personal accounts is serious。One aspect，Due to the establishment of the outpatient coordination system，The cost of treatment paid by the personal account can be listed from the outpatient coordination fund，Caused that personal account funds can not be spent，accumulated a lot of precipitated funds。Take Zhejiang as an example，In 2015, the province's personal account income was 22.4 billion yuan，Expenditure 16.6 billion yuan，The balance of 5.8 billion yuan in that year，Cumulative balances of more than 30 billion yuan; the cumulative balance of personal accounts has accumulated 30%of the cumulative balance of employees' medical insurance funds in the province。In other words，This part of the valuable funds have become & ldquo; dead money & rdquo;。

 

  Reporter: Why should I implement a family factories?

 

  The person in charge of the relevant department of the Human Resources and Social Affairs Department of Zhejiang Province: One of the reasons is that the personal account expenditure subject is confused because of the patch repair method，and the range of expenditures is often limited to medical expenses within the scope of the medical insurance policy，It is easy to cause insured persons to have money on personal accounts when they are reimbursed when they are reimbursed，But I have to pay cash to pay myself。Many people think，Personal account is used by yourself，Why set so many puzzling rules。In practice, because the masses do not understand the personal account policy，A personal account is required to be cash directly in the society、Personal account for fitness consumption、Personal account for unreasonable requirements for purchasing daily necessities。

 

  Activate precipitation funds by adjusting personal account，It can further optimize the financial fund arrangement method when the insured person is visited。

 

  At the same time，According to the Social Insurance Law、Related regulations on the basic medical insurance system of the national and provincial employees，Personal account funds are essentially inherited social medical insurance funds。So，This attribute clearly clarifies the two characteristics of personal account funds: First, the personal account belongs to the social medical insurance fund，Personal account can only be used for medical expenditure expenditure; the second is that the personal account is successful，Have a certain Stake Sports Bettingprivate attribute，Therefore, it is closer to cash function in terms of medical expenses。

 

  2 Question what else can the medical insurance money do except for seeing a doctor

 

  Appropriate expansion of expenditure range，Allow personal account precipitation funds to purchase commercial health insurance

 

  Reporter: What is the thinking of Zhejiang's personal account policy adjustment?

 

  Director of the relevant department of the Human Resources and Social Affairs Department of Zhejiang Province: We have made it clear that Zhejiang's personal account policy adjustment idea is & ldquo; weakened first、Later activation、Not CIC & RDQUO;。

 

   & ldquo; Weaken & rdquo;，It is through improvement of outpatient coordination policies，Gradually increase the proportion of reimbursement reimbursement for outpatient clinics，Further weakening the personal account clinic guarantee function。This step，Zhejiang already has a certain foundation，At present, the province's overall planning areas established outpatient clinics，Basic Medical Insurance Outpatient Reimbursement is between 40%& mdash; 50%。

 

   & ldquo; Post -activation & rdquo;，is to adjust the function of personal account，Activate the precipitated funds in the funds of personal accounts over the years，Further improving the performance of medical expenses for personal account funds。

 

   & ldquo; Non -solidified & rdquo;，is in personal account reform，Preventing personal account funds is completely equivalent to personal cash，Cash welfare for non -medical uses such as buying health products。

 

  Reporter: What are the specific measures to improve Zhejiang's personal account policy?

 

  The person in charge of the relevant department of the Human Resources and Social Affairs Department of Zhejiang Province: The core of the perfect personal account of Zhejiang is & ldquo; activation & rdquo;。First，We properly expanded the scope of personal account expenditure。Divide personal accounts into two major pieces of current funds and funds over the years，Funding of the current period is used to ensure the need for small diseases for basic medical insurance clinics of the year;，Turnned it into funds over the years。This reform，Further use the use of funds over the years to full -caliber medical expenses，Many original outpatients and hospitalizations need to be borne by their own medical expenses，As long as the personal account has money in the balance，You can pay it directly by swiping the card。

 

  Second，The first realization of personal accounts for personal accounts。Payment through close relatives，Personal accounts have accumulated funds over the years to adjust the doses of the family。Recent relatives are specified stake betting appby the first heir of the inheritance Law，Including spouse、Children、Parents。The sharing order of close relatives is in principle.，Try to make the funds use the person who needs to be used most。

 

  Last，Allow personal account precipitation funds to purchase commercial health insurance。This time Zhejiang regulations，Insured persons can voluntarily set the personal account precipitation funds above 4,000 yuan to purchase commercial health insurance。Where，4,000 yuan This threshold is mainly considering the self -negative medical expenses that the insured person may be hospitalized once in one year。According to statistics，Zhejiang insured persons generally take a hospital for a hospital to bear about 4,000 yuan。

 

  3 Ask how to prevent medical insurance money from using running bias

 

  Guide precipitated funds for medical expenses，Correct the idea of ​​non -medical costs

 

  Reporter: What effect is expected to improve the personal account policy?

 

  Director of the relevant department of the Human Resources and Social Affairs Department of Zhejiang Province: One of the effects，It is expected to increase the performance of the medical insurance fund。theoretically，Three items of personal accounts & ldquo; activation & rdquo; reform，Especially family mutual benefit mechanism，Zhejiang can re -configure more than 30 billion yuan of personal account precipitation funds，It will benefit most of the basic medical insurance insurers including employees and urban and rural residents，The marginal efficiency of the medical insurance fund has improved significantly，The entire society's medical security benefits are greatly enhanced。

 

  There is another effect，It is conducive to improving the multi -level medical security system。Let go of personal accounts for the years to buy funds to buy health insurance，It is conducive to through the commercial insurance market mechanism，Guide participants for their own and family members to further customize personalized personalized medical security plans on the basis of existing basic medical insurance，A production of the medical insurance fund for the function of the medical expense guarantee for major diseases。

 

  Not only that，It is also conducive to guiding the masses to establish a medical security planning concept of family -oriented medical security，A consciousness of forming a family as a unit to resist the major diseases。By guiding personal accounts to precipitate funds to better be used to ensure medical expenses，Timely correction of the unsatisfactory way of using personal accounts for non -medical cost guarantee demand。

 

  Reporter: How to handle stake online sports bettingthe account of the account family?

 

  The person in charge of the relevant department of the Human Resources and Social Affairs Department of Zhejiang Province: To realize personal medical insurance account family binding account binding。"Notice" stipulates，If the insured person and close relatives participate in the same coordination area，You can apply to the medical insurance agency where the medical insurance agency is located to bind a social security card for close relatives;，or where the binding area is not available，Available expenses and identity vouchers，Application for expenses for expenses for medical insurance agencies in the coordinated area。