What should medical insurance schools and families do if they pay repeatedly?

Students who repeatedly participate in the insurance shall, in principle, retain their school status. College students' medical insurance is used during college, and family medical insurance is the new rural cooperative medical system, which is used for seeing a doctor at home. There is no conflict between them. However, if only one of the two types of medical insurance can reimburse hospitalization expenses, it cannot be merged. Because social medical insurance can only enjoy one copy and cannot be enjoyed repeatedly.

First, the definition of medical insurance personal account:

The full name of medical insurance personal account is called personal medical insurance personal account, which is referred to as personal account for short. Personal accounts are mainly used to record and store personal account funds and are used for personal medical consumption according to regulations. The main sources of personal account funds include: medical insurance premiums paid by individuals; A certain percentage of social medical insurance premium paid by the employer; Some include personal account start-up funds paid by employers for individuals; There is also the interest income of personal account funds generated with the increase of insurance years.

Second, the personal account payment scope:

Usually used to pay the insured's specific medical expenses:

1, outpatient expenses incurred by designated medical institutions;

2. Drug purchase expenditure of designated retail pharmacies;

3, the basic medical expenses of designated hospitals and outpatient clinics for specific projects, and the expenses below the Qifubiaozhun as a whole; Exceeding the minimum threshold, the expenses that should be borne by individuals.

The insured person's use of personal account funds to pay medical expenses shall conform to the provisions of the scope of basic medical drugs, the scope of diagnosis and treatment projects, the scope of medical service facilities and payment standards.

Third, the introduction of social security cards:

The Social Security Card of the People's Republic of China is an integrated circuit (ic) card issued by local human resources and social security departments for various business fields of human resources and social security.

Social security cards have a wide range of functions. Cardholders can not only use the card for real-time settlement of medical insurance personal accounts, but also handle endowment insurance affairs; Go through the formalities of job registration and unemployment registration; Apply for unemployment insurance; Apply for employment training; Apply for labor ability appraisal and enjoy work-related injury insurance benefits; Handling labor and social security affairs online.

Four, 202 1 New changes in rural cooperative medical care

1. First, urban and rural medical insurance is merged, and reimbursement standards are gradually synchronized;

2. Second, the reimbursement rate has increased and the minimum payment standard has decreased;

3. Third, continue to lean towards the poor and ensure that the villagers in difficulty "should be guaranteed as much as possible";

4. The fourth is to simplify the identification process of chronic diseases in outpatient department.