Can a cold and fever get medical insurance?

Cold and fever can be covered by medical insurance.

Medical insurance conforms to the basic medical insurance coverage, and outpatient medical expenses can be reimbursed, such as seeing cold and fever medicine in outpatient department, but the medical expenses incurred need to reach the specified deductible line. After reaching the deductible, there is still a reimbursement ratio. Because if you want to use basic medical insurance for reimbursement, although the minimum payment standards stipulated by different places and the minimum payment lines of different levels of hospitals will be different, they are generally thousands. Generally speaking, the treatment of colds and fever, whether it is to buy medicine or intravenous drip, usually the medical expenses will not be thousands, so it is still necessary to pay at your own expense.

The conditions for medical insurance reimbursement are:

1, the insured person must go to the designated medical institution of basic medical insurance or the designated retail pharmacy determined by the social insurance institution with the medical prescription issued by the doctor in the designated hospital:

2. The medical expenses incurred by the insured in the process of medical treatment must conform to the scope and payment standards of the basic medical insurance drug list, medical treatment items and medical service facilities standards, and can be paid by the basic medical insurance fund according to the regulations:

3. The medical expenses incurred by the insured that meet the payment scope of basic medical insurance shall be paid by the social medical pooling fund in a unified proportion, with the expenses above the Qifubiaozhun and below the maximum payment limit.

To sum up, medical insurance card reimbursement is not to deduct money from the medical insurance card. Medical insurance card reimbursement is determined according to the situation. There are two medical insurance card accounts, one is personal account and the other is overall account. In the case of overall planning, after the overall planning account is reimbursed according to the corresponding proportion, the remaining medical expenses after deducting the medical insurance reimbursement part can be deducted from the personal account balance.

Legal basis:

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

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.