It can be used. The operating procedures for paying children’s outpatient medical expenses using parents’ medical insurance cards have been further simplified. Parents can use their personal accounts to treat their children. The specific operating rules are as follows:

1. When parents use their personal accounts to pay for their children’s outpatient medical expenses, they need to Indicate the parent's social security card number or ID number on the back of the child's outpatient prescription.

2. Provide the child’s social security card number.

3. Provide the relationship between the two parties, such as father-son relationship, mother-son relationship; also leave contact number and signature. In addition, children’s names will be used to register for medical treatment at their own expense, and the social security card of the parent will be deducted when settling medical expenses. Children’s medical expenses incurred in general outpatient clinics in the Mainland do not enjoy this treatment. The previous regulations were more complicated, requiring parents to confirm their relationship before paying outpatient fees for their children.

The main purpose of the medical insurance card is to pay for outpatient medical treatment. Medical insurance also has other uses. You can use the money to buy medicines (over-the-counter drugs), medical equipment, thermometers, blood pressure monitors and other auxiliary examination equipment at designated pharmacies.

The reimbursement scope of the medical insurance card: The reimbursement of the medical insurance card is limited to medical expenses above hospitalization caused by diseases and some accidents in designated hospitals. The reimbursement formula is: (total cost-threshold fee-self-pay-overexpense)*(75+age*0.2)%. Under normal circumstances, the actual reimbursement ratio ranges from 20 to 60%. Self-paid drugs are not reimbursed, Class B drugs are reimbursed 80%, bed fees are subject to a limit, and some examination fees and diagnosis and treatment fees according to regulations cannot be reimbursed. The reimbursement amount of the medical insurance card is four times the average salary of local social workers (the cumulative value within one year). The money in the medical insurance card can be used to buy medicines in designated pharmacies and pay outpatient and emergency expenses, but it does not fall into the scope of reimbursement, because the money in the medical insurance card is the money in the personal medical insurance account. Reimbursement from critical illness insurance: After an insured person suffers from a serious illness, the personal responsibility incurred in a designated medical institution of the city's medical insurance and in compliance with the city's medical insurance regulations will be included in the payment scope of the resident's critical illness insurance, and 50% will be reimbursed from the critical illness insurance funds. That is, reimbursement amount = self-pay × 50%

Legal basis:

Legal basis: Article 28 of the "Social Insurance Law" complies with the basic medical insurance drug catalog, diagnosis and treatment items, medical Service facility standards and emergency and rescue medical expenses shall be paid from the basic medical insurance fund in accordance with national regulations.