Territorial management of medical insurance. Whether the medical insurance card can be used by the whole family depends on the regulations of the local social security bureau.

At present, some areas are experimenting with the widespread use of medical insurance cards by households, which is also conditional. For example, if the balance of an insured medical insurance in a pilot family in Shenzhen exceeds the average monthly salary of the previous year, the excess balance can be used by family members. If the balance of individual payment account reaches the prescribed limit, family members cannot use it. And their family members must have paid medical insurance in Shenzhen. If their family members are not registered in Shenzhen and are not insured to pay medical insurance in Shenzhen, their family members cannot enjoy the general treatment of medical insurance accounts.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.