Newly insured persons enjoy the observation period of medical insurance.

The medical insurance card is suspended for several months, and will be paid next month. You can't enjoy medical insurance benefits, but you can enjoy medical insurance benefits after the observation period.

After the interruption of payment, the medical insurance benefits will be suspended from the next month, and after the normal payment procedures, the medical insurance benefits will be enjoyed from the next month; Continuous interruption of payment for 3 months (inclusive) shall be deemed as interruption of insurance. After the interruption of insurance, you can apply for insurance procedures and pay for 6 months in a row before you can enjoy medical insurance benefits.

Social medical insurance card, referred to as medical insurance card or medical insurance card, is a special card for personal account of medical insurance. With the personal identity card as the identification code, the detailed information such as personal identity card number, name, gender, account capital expenditure and consumption are stored and recorded.

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

The process of using medical insurance card in designated hospitals;

(1) When seeing a doctor in a designated hospital, show the medical insurance card to prove the identity and registration of the insured. Individuals do not need to pay first and then reimburse, and medical insurance and hospitals can directly settle the part of medical insurance reimbursement. Only when the account is settled, the self-funded part will be paid by the balance of the medical insurance card or cash.

(2) When reimbursement for hospitalization, there is a deductible line (the deductible line standard is generally 10% of the average annual salary of employees in the city last year), which means that you need to pay the deductible line yourself, and the part that exceeds the deductible line can be reimbursed according to local medical insurance regulations. The reimbursement rate varies from place to place, and different projects in different hospitals are different, about 80%.

If a patient with a medical insurance card wants to go to the hospital after getting sick, the process of going to the designated medical insurance unit with a medical insurance card is as follows: When the insured is sick, he can go directly to the local designated medical institution with a medical insurance manual and an IC card. The general process is as follows: holding the medical insurance manual and IC card-going to the hospital medical insurance office to register-checking the card-paying the hospitalization deposit-hospitalization-self-funded items need the patient's consent and signature-using cash or IC card to settle the self-paid part of the deductible standard and the self-paid proportion-the hospital pays the expenses within the overall scope-settling and discharging.

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