How to choose the coverage of medical insurance

The choice of medical insurance coverage should be based on the actual situation and needs of individuals. Generally speaking, the coverage of medical insurance can be divided into:

1, basic medical insurance is the basis of medical insurance, which is applicable to most people, including employees, retirees, urban residents and rural residents. , and can enjoy basic medical insurance and related medical expenses reimbursement;

2. Work-related injury insurance is applicable to on-the-job employees, which mainly guarantees medical and disability benefits for employees who are injured in the course of work;

3. Maternity insurance is applicable to women, mainly to ensure the delivery of pregnant women and the health of newborns;

4. Critical illness insurance is suitable for patients with malignant tumor and uremia who need special treatment and have high medical expenses, and can get additional medical security.

When choosing medical insurance, we should consider it comprehensively according to our actual needs and economic conditions. According to the local medical insurance policy and coverage, combined with the actual situation of individuals or families, you can choose the most suitable medical insurance coverage. At the same time, it should be noted that social security fees should be paid on time after medical insurance is insured to ensure the effectiveness of protection.

How to use the medical insurance card:

1, before seeing a doctor, please confirm whether the hospital or doctor is qualified for designated medical insurance to avoid unnecessary expenses;

2. When seeking medical treatment, give the medical insurance card to the charging window of the hospital or doctor, and the hospital will read the information on the card by swiping the card to settle the medical expenses;

3. After the settlement of medical expenses, the hospital will issue bills and invoices related to medical expenses, and the insured personnel should keep them properly;

4. The insured can apply for reimbursement of medical expenses online at the social security card service center designated by the medical insurance card or through the medical insurance APP, and apply according to the prescribed process and time.

To sum up, the medical insurance card needs to be properly kept during use to avoid loss or damage. If the medical insurance card is lost or damaged, you need to report the loss to the local social security bureau or social security card service center in time. At the same time, the insured need to understand the medical insurance policies and regulations in the region, abide by the regulations on the use of medical insurance, rationally use medical resources, and reduce the medical burden on themselves and society.

Legal basis:

"Regulations on the supervision and administration of the use of medical insurance funds in People's Republic of China (PRC)" seventeenth.

The insured person should hold his medical insurance certificate for medical treatment and drug purchase, and take the initiative to show it for inspection. Insured persons have the right to require designated medical institutions to truthfully issue expense documents and related materials.

Insured personnel should properly keep medical insurance certificates to prevent others from using them. If it is necessary to entrust others to purchase drugs for special reasons, the identity certificates of the principal and the trustee shall be provided.

Insured persons shall enjoy medical security benefits according to regulations and shall not enjoy them repeatedly.

Insured persons have the right to request medical insurance agencies to provide medical insurance consulting services and put forward suggestions for improvement in the use of medical insurance funds.