What is it like to have a health insurance card?

I have been charging my medical insurance card for so many years, and I have never used it, but I have never had that kind of regret, I feel very honored, and I have not had any serious illness for so many years.

As long as you are sick**, you will give your medical insurance card to the charging window every time you pay the fee, and the self-paid part will be cashed out, and the rest of the medical insurance card will be deducted, and you will not spend any money.

The medical insurance card can only play a role in insurance, who can ensure that we will not worry too much when we are sick, the key is to protect our body and not get sick.

The medical insurance card does not make all your medical expenses hypocritical, and in the end, many of them still need to be paid by yourself, so don't blindly believe in the medical insurance card.

Friends, don't lend your medical insurance card to others, I have lent it to relatives before, and the company fired me because I checked out the medical insurance card and said that I had a ** throat tracheal infectious disease.

I was hospitalized because I was sick and pneumonia, but I forgot to use my medical insurance card, and as a result, I paid tens of thousands of yuan by myself, and I regret it every time I think about it.

Before my father had surgery, the medical insurance card did omit some, but the remaining number is still very large. I feel that it is better not to rely too much on the medical insurance card, and if you really encounter a big problem, you should solve it yourself.

It is also possible that I have never used a medical insurance card, and I have paid for my medical insurance card for more than ten years so far, but I have been paying money every year, but I have never seen any gains.

I've lived for more than 20 years, and I've never experienced what my health insurance card has brought me, of course, it may be because I have never had any serious illness (

The advantage of having a medical insurance card is that when you are sick, you can be reimbursed for the medical expenses you use to buy medicine or be hospitalized.

1. The main purpose of medical insurance is to pay for outpatient treatment.

2. Medical insurance has other uses, you can use the money to buy drugs (over-the-counter drugs), medical equipment, thermometers and blood pressure monitors and other auxiliary examination equipment in designated pharmacies. You can also pay for self-paid items such as medical checkups.

1.Designated retail pharmacies purchase expenses, outpatient and emergency medical expenses;

2.It is used to purchase commercial insurance, accident insurance, etc.;

3.Medical expenses below the minimum payment standard of basic medical insurance**;

4.If the minimum payment standard exceeds the basic medical insurance co-ordination, the individual payable expenses shall be borne in proportion;

5.If the personal account is insufficient to pay the part, the payment will be made by the person in question.

The medical insurance card is divided into two parts, the first part is the personal account, the money in the medical insurance card can be directly used to buy medicine in the designated hospital, and then you can also go to pay for outpatient expenses and hospitalization expenses.

The second part of the field is the part of the overall account, if we are hospitalized, we can go to the medical reimbursement through the medical insurance card, of course, there is no medical insurance card, as long as we pay the medical insurance can also be reimbursed, but we can't pay directly online.

In most parts of China, the medical insurance card and the social security card are the same, and the social security card has the function of medical insurance, so people also call the social security card the medical insurance card. The front of the social security card is printed with the words "Social Security Card of the People's Republic of China", and the back is printed with the name of the cardholder, social security number, cardholder**, card issuer and other information. In some places, the medical insurance card is a special card for medical insurance personal accounts, which uses a personal ID card as an identification code to store and record detailed information such as personal ID number, name, gender, and account fund allocation and consumption.

Legal basis

Measures of the People's Republic of China for the Administration of Social Security Cards

Article 4 The social security card shall be constructed in accordance with the principle of "one card for multiple purposes, which can be used throughout the country". The issuance of social security cards in all localities must comply with the requirements of security, integrity and public welfare, and adopt unified national standards and specifications to ensure that they are used nationwide.

Article 9 The social security card adopts a uniform national card face style, with the words "Social Security Card of the People's Republic of China" printed on the front and the cardholder's name, social security number, cardholder**, card issuer and other information printed on the back.

Social Insurance Law of the People's Republic of China

Article 23 Workers and workers shall participate in the basic medical insurance for employees, and the employer and the workers shall jointly pay the premiums for basic medical insurance in accordance with the provisions of the state. Individually-owned businesses without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other flexibly employed persons may participate in the basic medical insurance for employees, and the individual shall pay the basic medical insurance premiums in accordance with the provisions of the state.

The social medical insurance card, referred to as the medical insurance card or medical insurance card, is a special card for medical insurance personal accounts, which uses personal ID card as the identification code to store and record detailed information such as personal ID number, name, gender, and account fund allocation and consumption.

The medical insurance card is undertaken by the local designated ** bank, which is a kind of multi-functional bank debit card. After the insured unit pays the fee, the local medical insurance department will entrust the bank to allocate the part of the personal account to the personal medical insurance card of the insured employee at the end of the month.

How to use the health insurance card:

1. Scope of use of medical insurance card: When insured employees seek medical treatment and purchase drugs in designated hospitals and pharmacies, they can use the card on the POS machine with the password, but they cannot withdraw cash or transfer money.

2. Inquiry of the balance of the medical insurance card: The insured employees can inquire about the balance by dialing **, or they can inquire at the savings office of the Bank of China or the designated hospitals and pharmacies in the urban area. You can also go online and log in to the social security inquiry system.

3. Medical insurance card transaction inquiry: Insured employees can go to the savings office of Bank of China to print the transaction records of medical insurance cards with their ID cards and medical guarantees, including the allocation records and consumption records of personal account funds. If you have any questions about the transaction records, you can go to the Retail Business Department of Bank of China to make inquiries.

4. Medical insurance card password: If the insured employee repairs the password, he or she can call ** to change it, or he can go to the savings office of the Bank of China with his ID card to modify it. If the insured employee forgets the password, he or she can report the loss of the original password and change the password at the Bank of China Savings Bank with his ID card.

5. Custody of medical insurance card: Insured employees should take good care of their medical insurance card, if they are accidentally lost, please immediately go to the unit to issue a letter of certification and go to the medical insurance office to seal and confirm, and then take the ID card to the Bank of China savings office to report the loss, and go through the procedures for replacing the card, and you can receive a new card after 7 days.

When the number of medical insurance card transactions reaches 60, the insured employee must go to the Bank of China Savings Bank to print the transaction records, otherwise, the use of the card will be stopped. Once the transaction history is printed, the card can continue to be used.

In the pharmacy 100% of their own responsibility, hospitalization can enjoy the reimbursement ratio (it must also be covered by medical insurance). If the hospitalization is within the scope of medical insurance, according to the actual amount of expenses, such as: spending 10,000 yuan for reimbursement is between 55% and 65%.

The medical insurance card can be used in other cities in the province. However, the premise is that if you want to handle direct settlement for medical treatment in other places, only if you have handled the settlement of medical treatment in other places, you can reimburse and pay fees in the hospital in the designated area, just like the settlement of medical treatment in the region. However, if you do not handle the settlement of medical treatment in other places, you cannot directly use the medical insurance card, because medical insurance is generally coordinated at the municipal level.

The insured person can seek medical treatment in a designated medical institution in another place only after completing the confirmation procedures for medical treatment in a different place.

Legal basisArticle 10 of the Social Insurance Law of the People's Republic of China.

Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance at the employer, and other flexibly employed persons may participate in the basic pension insurance, and the basic pension insurance premiums shall be paid by the individual.

The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.

There are several or fierce situations that are not covered by medical insurance.

1. Seeking medical treatment in a non-designated hospital without approval;

2. Suffering from occupational diseases, work-related injuries or work-related injuries** = injuries caused by traffic accidents;

3. Injury caused by one's own violation of the law;

4. Food poisoning caused by liability accidents;

5. Caused by suicide;

6. Injuries caused by medical accidents;

7. According to the provisions of the state and the city, the medical expenses shall be borne by themselves.

Medical insurance is not equal to social security, but only a part of social security, which is the abbreviation of medical insurance. Social insurance includes pension insurance, medical insurance, work-related injury insurance, unemployment insurance and maternity insurance. Social insurance is a social and economic system that provides income or compensation to a population that is incapacitated, temporarily unemployed, or has a loss due to health reasons.

The social insurance plan is organized by **, forcing a certain group to use a part of its income as a social insurance tax (fee) to form social insurance**, and under the condition of meeting certain conditions, the imitative insurer can obtain a fixed income or loss compensation from **, it is a redistribution system, and its goal is to ensure the reproduction of material and labor force and social stability.

The Interim Measures for the Administration of Designated Medical Security for Retail Pharmacies stipulates that designated medical institutions are the collective names of designated medical institutions (designated hospitals) and designated retail pharmacies (designated pharmacies), referred to as "two fixed" institutions; It refers to the hospitals and pharmacies that have signed service agreements with the medical security administrative departments and medical insurance management agencies in the overall planning areas to provide medical services for the basic medical insurance participants. For the insured, under normal circumstances, only in the "two fixed" medical institutions to see a doctor and buy medicine, can be reimbursed by medical insurance.

Legal analysis: The medical insurance card is a social medical insurance card. It is a special card for medical insurance personal accounts, which uses the personal identity card as the identification code, and stores and records the personal ID number, name, gender, and the allocation and consumption of account funds.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and personal rights and interests records, and request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance deferred benefits in accordance with the law, and have the right to supervise their own units' contributions.

Legal analysis: The medical insurance card is a social medical insurance card. It is a special card for medical insurance personal account, which uses personal ID card as the identification code of Huiqian, and stores and records detailed information such as personal ID number, name, gender, and account fund allocation and consumption.

Legal basis: Social Insurance Law of the People's Republic of China Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and personal rights and interests records, and request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.