How to use the medical insurance card and social security card in Beijing?

The use of Beijing social security card and medical insurance card;

Pay social insurance, including endowment insurance, medical insurance, work injury insurance, unemployment insurance and maternity insurance. Endowment insurance allows me to receive a pension after retirement, and medical insurance can protect users when they are sick.

1, Beijing's social security card, commonly known as the medical insurance card, can register, seek medical treatment, settle accounts and inquire, and truly realize one-card medical treatment. Of course, this is the basic function, and there are many additional functions, but few people open these additional functions.

For example, social security card has the same financial function as bank card, or it is also a bank credit card, which can handle deposit and withdrawal, transfer, collection and payment on behalf of others. For another example, it can also be used as a bus card, and the social security card can be directly swiped after recharging.

2. To participate in medical insurance in Beijing, employers and employees need to bear the medical insurance expenses respectively. For example, in Beijing, enterprises bear 8% of the payment base, and individual employees need to bear 2% of the payment base (basic medical care) +3 yuan (serious illness). After enrollment, the social security fund will refund the medical expenses to the employees every month according to the medical age of the insured.

For example, if the length of service is less than 35, the monthly refund is 2.8% of the payment base; 36-45 years old, the monthly refund is 3% of the payment base; Wait a minute. If the user's payment base is 6.5438+0 million yuan, then the individual medical insurance employees need to pay 203 yuan per month. Suppose the user is 40 years old and will return to 300 yuan every month.

This money is directly transferred to the medical insurance card in most provinces, and can only be used for medical treatment or pharmacy purchase. However, Beijing is an exception. When money is transferred to the medical passbook, it can be withdrawn directly, which is also the welfare of workers.

When employees get this medical passbook, they need to go to Bank of Beijing to change their passwords with their ID cards.

Extended Information Beijing has introduced six favorable policies for medical insurance, including expanding the scope of basic medical insurance, prescribing long prescriptions for patients with four types of chronic diseases, reducing the deductible line for reimbursement of family beds by 50%, including on-site medical services into medical insurance, reducing the personal burden of community medical care, and not being restricted by designated medical institutions selected by individuals.

An important reason why many patients are unwilling to go to community hospitals is that some drugs can be reimbursed in large hospitals, but not in community hospitals. In the past, the drug reimbursement in Beijing's big hospitals was based on the drug list of basic medical insurance, industrial injury insurance and maternity insurance, with 25 10 varieties, while the drug reimbursement in the community only had 1435 varieties.

Since 65438+February 1, Beijing has unified the scope of reimbursement for medical insurance drugs in communities and large hospitals. 25 10 drugs used in large hospitals can be used and reimbursed in community hospitals, which is equivalent to an increase of 75% on the original basis.

At the same time, the medical insurance policy actively encourages and supports the community to establish family beds for the elderly. If the insured establishes a therapeutic family bed in a community health institution, he will be reimbursed according to the hospitalization regulations, and the reimbursement deductible will be reduced by 50%, from 1.300 yuan to 650 yuan.

In addition, 70% of the insured employees are reimbursed for medical expenses in outpatient departments of large hospitals. When the insured people go to community medical institutions for medical treatment, the reimbursement rate of outpatient medical expenses can reach 90%, and the burden of personal medical expenses is obviously reduced.

People's Daily Online-Beijing launched six favorable policies for medical insurance.