Can the medical insurance card be reimbursed if the money is not enough?

Whether the medical insurance card can be reimbursed if the money is not enough needs to be discussed according to the situation.

First of all, it is necessary to clarify the relationship between medical insurance card and personal account. Medical insurance card, also known as social security card, is mainly used to record personal medical insurance payment and medical expenses. Personal account is an integral part of medical insurance card, which is mainly used to pay personal medical expenses. When the personal account balance is insufficient, whether the medical expenses can still be reimbursed needs to be discussed in different situations.

1. Personal account balance is insufficient, but medical insurance is still within the coverage period: in this case, if medical expenses are within the coverage of medical insurance, medical expenses can be partially or completely reimbursed. The specific reimbursement ratio and amount need to be determined according to the local medical insurance policy.

2. Personal account balance is insufficient, and medical insurance has expired: medical insurance has expired, and medical expenses will not be reimbursed. Therefore, before the medical insurance expires, it is necessary to renew the insurance in time to ensure that the medical expenses can be guaranteed.

Attention should be paid to the use of medical insurance cards:

1. Cash withdrawal is prohibited.

No unit or individual may violate the scope and requirements of the medical insurance card, and it is strictly forbidden to take cash.

2. Some provincial and municipal medical insurance cards can be used by the whole family.

In some provinces and cities, such as Zhejiang Province and Guangzhou City, the surplus funds of individual medical insurance accounts over the years can be used to pay the medical insurance expenses of employees' spouses, children, parents and other close relatives who participate in basic medical insurance, so as to realize mutual assistance among family members.

3. The following medical insurance will not be paid.

Seeing a doctor in a non-designated medical institution or buying medicine in a non-designated retail pharmacy (except emergency): self-injury caused by personal fighting, drug abuse or other illegal acts; Treatment for alcoholism, suicide and self-mutilation; Injuries caused by traffic accidents, medical accidents or other liability accidents; And the situation that the state or local regulations should be paid by individuals.

To sum up, whether the medical expenses can be reimbursed when the money of the medical insurance card is not enough depends mainly on whether the medical insurance is still in the guarantee period. In order to ensure that medical expenses can be reimbursed to the maximum extent, it is necessary to know the local medical insurance policy in time and ensure the coverage and duration of medical insurance.

Legal basis:

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

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The insured person holds a social security card to settle part of the medical expenses that should be paid by the medical insurance fund.