have in mind vs refer

have in mind and refer both are verbs.

Word	Noun	Adjective	Verb	Adverb
have in mind	No	No	Yes	No
refer	No	No	Yes	No

As verbs, refer is a hyponym of have in mind; that is, refer is a word with a more specific, narrower meaning than have in mind:

Other hyponyms of have in mind include advert, bring up, cite, mention, name.

have in mind (verb)	refer (verb)
intend to refer to	think of, regard, or classify under a subsuming principle or with a general group or in relation to another
	have as a meaning
	make reference to
	use a name to designate
	seek information from
	send or direct for treatment, information, or a decision
	be relevant to