What are the benefits of designated medical insurance?

The benefits of designated medical insurance are as follows:

1. Designated medical insurance can ensure that the insured can use the medical insurance card to directly register and seek medical treatment during outpatient and emergency treatment and hospitalization, and enjoy the convenience of direct settlement and reimbursement of medical expenses. This greatly simplifies the reimbursement process and reduces the economic pressure of the insured.

2. Designated medical insurance usually means a higher proportion of medical reimbursement. The insured person can be reimbursed for more than 80% of the highest medical expenses when he sees a doctor in a primary hospital, and about 50% when he sees a doctor in a 3A hospital. This higher reimbursement rate helps to reduce the medical expenses of the insured.

3. The designated hospitals for medical insurance are all medical institutions that have been strictly audited by the social security department and have the qualifications of designated hospitals for medical insurance, and the level of medical services is more secure. This means that the insured can enjoy better and safer medical services when they visit the designated hospitals.

4. Designated medical insurance can also help to standardize medical behavior, prevent the occurrence of unreasonable charges, excessive medical care and other undesirable phenomena in medical institutions, thus protecting the legitimate rights and interests of the insured.

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, the advantages of designated medical insurance are convenience, high reimbursement rate, high quality medical service and standardized medical behavior.

Legal basis:

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

Article 12

The basic medical insurance premium is levied on a monthly basis, and the employer and employees shall pay the basic medical insurance premium to the tax collection authority within the prescribed time limit. The part that individual employees should pay shall be withheld and remitted by the employer from their wages.