What are the actual distinctions between the three features 'Family Account', 'Family Pooling', and 'Convenient Medical Care' in Dongguan? These easily confused functions are explained clearly today, including guidance on how to activate and use each one.
Understanding the Family Account
A Family Account is a sub-account for family members linked to an individual's medical insurance account. After adding a Family Account, you can use the associated rights of the family member's medical insurance electronic certificate, such as booking appointments, purchasing medication, and settling payments on their behalf. It also allows you to query the family member's annual medical expenses.
How to Activate It
Activation is possible through channels like the "National Medical Insurance Service Platform" APP, the Alipay APP, or the WeChat client.
How to Use It
1. The user logs into the National Medical Insurance Service Platform APP, clicks on [My], and can see the added family members (the authorized persons).
2. Click on the family member's avatar icon and follow the prompts to display their medical insurance electronic certificate.
3. Present this electronic certificate to the designated medical or pharmaceutical institution for scanning, which will then deduct the funds from that family member's personal medical insurance account.
Understanding Family Pooling
Family Pooling, essentially "Family Sharing of Medical Insurance Personal Account Balances," allows the balance of a personal medical insurance account to be shared. It enables employed medical insurance participants to voluntarily authorize close relatives to use their personal account to pay for the individual's share of medical and drug expenses. It can also be used for paying part of certain insurance premiums.
How to Apply
1. Online: Search for the "Yue Medical Insurance" mini-program via the WeChat client or Alipay APP to apply online.
2. Offline: Bring the required materials to the service window of any medical insurance handling agency in the city.
How to Use It
For Medical and Drug Payments: When a close relative seeks medical care or buys medicine at a designated medical institution or pharmacy, they must first bind the authorizer's medical insurance electronic certificate through a channel like the "Medical Insurance Family Account" section in WeChat or Alipay. By presenting the authorizer's electronic certificate, the system will automatically deduct eligible expenses (such as outpatient fees, the personal payment portion of hospitalization costs, and medicine/medical device purchases) from the authorizer's personal account balance.
For Paying Resident Medical Insurance Premiums: During the centralized collection period for resident medical insurance, the authorizer can use the "Yue Medical Insurance" or "Yue Shui Tong" mini-programs, select [Online Payment for Urban and Rural Residents], then choose [Pay for Others], enter the close relative's information, select the payment method [Medical Insurance Personal Account Payment], and confirm the payment.
Understanding Convenient Medical Care
Convenient Medical Care is a service initiative spearheaded by the Dongguan Medical Insurance Bureau, featuring "one-time registration, treatment first, payment later." Through collaboration between the government, medical institutions, and banks, it promotes the digital upgrade of medical payments, offering insured residents in Dongguan a "treatment first, zero queuing, payment later" medical settlement service. It provides services like "Family Payment, Frictionless Payment, and Convenient Medical Fund" tailored to people of different age groups and needs. With just a one-time registration and account binding, users can enjoy a fast, intelligent medical payment experience at designated hospitals.
Available Registration Channels
Current main channels include the Dongguan Medical Insurance WeChat public account, Donghua Hospital's WeChat service account, Dongguan Hospital of Traditional Chinese Medicine's public account, Dongguan Bank's WeChat public account, and the UnionPay APP.
Benefits After Registration
The Convenient Medical Care service makes the medical treatment process more convenient.
(1) Frictionless Payment: Provides patients with automatic expense settlement. After online appointment booking and a doctor issuing a prescription, payment is completed quickly and seamlessly, eliminating the hassle of long payment queues.
(2) Family Payment: Enables the Family Payment function for elderly family members, children, and spouses, allowing you to pay for their hospital expenses.
(3) Convenient Medical Fund: Offers emergency financial support for medical treatment. Through an online application, a credit line of up to ten thousand yuan can be obtained, usable for immediate payment of medical fees, alleviating the patient's financial pressure.
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