How to pay personal medical insurance?

Personal medical insurance payment method is as follows:

1. Flexible employees who participate in employee medical insurance apply to social insurance agencies for social insurance registration and pay monthly fees.

2, to participate in the new rural cooperative medical insurance or medical insurance for urban residents, with the household registration book, ID card and other information to the relevant social security institutions to open an account to pay.

3. Pay through the community or the medical insurance department, or pay through the online social security platform.

4, flexible employment personnel to pay medical insurance premiums, monthly or annual payment, with the "payment approval form" to the Municipal Local Taxation Bureau to pay.

5. Urban and rural residents pay medical insurance premiums for urban and rural residents, bring ID cards, household registration books and other materials, and pay fees to local community and village medical insurance agencies, generally once a year.

6. Pay directly to the medical insurance agency; Enter the medical insurance payment account of the cooperative bank; Pay after choosing to pay the city through the city service; Download the national medical insurance service platform app payment.

The reimbursement process of personal medical insurance can be divided into the following situations according to the different places and methods of medical treatment:

1, see a doctor at the local designated medical insurance hospital. Go to the designated medical insurance hospital for medical treatment, go to the corresponding consulting room for medical treatment and take the initiative to inform the doctor that he has participated in medical insurance. Go to the hospital charging window and tell the toll collector that this medical treatment needs to be included in the medical insurance reimbursement, and show the medical insurance card to the medical insurance window for settlement. The medical insurance system will automatically calculate the part paid by the medical insurance fund and the part paid by the individual, and deduct the corresponding expenses from the medical insurance card.

2. Seek medical treatment in a designated hospital for medical insurance in different places. Before seeking medical treatment across provinces, it is necessary to file with the agency in the insured place, and carry the social security card with you when seeking medical treatment. It is the only certificate for identification and direct settlement of medical treatment in different places, and the hospital will settle the compliance part of hospitalization expenses online through the online system. When leaving the hospital, the hospital calculates the part that the individual needs to bear according to the prepaid hospitalization expenses and reimbursement expenses, and refunds more and supplements less according to the expenses.

3, in non designated hospitals for medical treatment or not for medical treatment in different places for the record. Pay medical expenses first, and then apply for medical insurance reimbursement. Go to the hospital for medical treatment and apply for reimbursement; Submit the relevant application materials required for reimbursement, wait for the materials to be reviewed and the reimbursement application is completed. If the verification process is correct and the application is successful, the applicant can be reimbursed after receiving the medical expense reimbursement form of social medical insurance.

To sum up, there are various payment methods for personal medical insurance. Choose the appropriate payment method according to your personal situation and follow local policies and regulations. At the same time, when paying medical insurance, individuals should pay attention to timely payment, check information and keep vouchers.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.