Can I have a baby with the money in my medical insurance card?

Of course. The cost of giving birth to a child in hospital can be reported to medical insurance, and the medical insurance card can be directly used for real-time settlement. The cost of giving birth includes the hospitalization fee for normal delivery and the cost of family planning operation. The medical expenses of hospital delivery are directly settled online through social security cards. Usually, the hospital will leave the social security card and maternity service certificate when the parturient goes through the hospitalization formalities, and will automatically take away the reimbursement part when checking out.

Proportion of reimbursement for hospitalization expenses of medical insurance.

1, urban workers: 1 90% in first-class hospitals, 80% in second-class hospitals and 70% in third-class hospitals.

2. Urban residents: the reimbursement rate is 65%.

3. Cooperative medical care: 1 level hospital 27%, level 2 hospital 50%, level 3 hospital 60-70%.

First, the significance of medical insurance card

Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It takes personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, payment, account fund consumption, etc.

The medical insurance card is generally undertaken by the local designated agent bank, which is a kind of multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

From May 65438, 2065 438 to May/KLOC-0, 2065438, the Opinions of Guangdong Province on Further Strengthening the Safety Supervision of the Basic Medical Insurance Fund was officially implemented.

Second, how to use the medical insurance card

1, scope of use of medical insurance card: When insured employees go to designated hospitals and pharmacies for medical treatment, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money.

2. Inquire about the balance of medical insurance card: Insured employees can inquire about the balance by telephone, or at the Bank Savings Office of China or the designated hospitals and pharmacies in the urban area. You can also log in to the social security inquiry system online.

3. Inquiries about medical insurance card transactions: Insured employees can print medical insurance card transaction records, including personal account payment records and consumption records, at China Bank Savings Office. If you have any questions about the transaction records, you can go to the retail business department of Bank of China.

4. Medical insurance card password: The insured employees can change their passwords by phone or bring their ID cards to the Bank of China Savings Office. If the insured employee forgets his password, he can report the loss of the original password with his ID card to China Bank Savings Office and change it.

5. Custody of medical insurance card: Insured employees should keep the medical insurance card properly. If you accidentally lose it, please immediately issue a letter of proof to the unit and stamp it at the medical insurance office for confirmation, and then report the loss to China Bank Savings Office with your ID card and go through the formalities of replacement. After 7 days, they can get a new card.

6. Precautions: When the number of medical insurance card transactions reaches 60, the insured employees must go to China Bank Savings Office to print the transaction records, otherwise they will stop using the card. After the transaction record is printed, the card can continue to be used.

In the pharmacy 100% will bear it by itself, and hospitalization can only enjoy the reimbursement ratio (which must be within the scope of medical insurance).

If the hospitalization is within the scope of medical insurance, the scope of reimbursement is between 55% and 65% according to the actual amount of expenses incurred, such as 10000 yuan.

Third, the scope of application of medical insurance card

1, you can buy medicines at pharmacies to pay for outpatient and emergency medical expenses;

2. It can be used to purchase commercial insurance and accident insurance.

3, the basic medical insurance fund can pay the medical expenses below Qifubiaozhun;

4. Pay the hospitalization expenses;

5. Pay the hospitalization expenses after emergency rescue and seven days before hospitalization;

6. Pay the medical expenses for using anti-rejection drugs after treatment.

Legal basis:

Detailed Rules for the Implementation of People's Republic of China (PRC) Social Insurance Law

Article 8

The medical expenses incurred by the insured in the agreed medical institutions that meet the basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards shall be paid from the basic medical insurance fund in accordance with state regulations.