How to use the payment part of the medical insurance card unit

Legal analysis: the medical insurance paid by the company is mainly divided into personal account and overall fund, and different types have different scope of use. For example, the personal account in the medical insurance paid by the company can only be used to pay for outpatient and hospitalization expenses and shopping at designated pharmacies. Overall fund, the main users pay for hospitalization and some outpatient serious illness expenses.

The role of medical insurance paid by the company:

1. Personal account: paid for outpatient expenses, self-paid part of hospitalization expenses and shopping expenses of designated pharmacies.

2, the overall fund, used to pay for hospitalization and outpatient illness.

Remarks: show your medical insurance card when you are in hospital, and then the hospitalization expenses will be deducted automatically (80% will be reimbursed except for the self-funded part); The reimbursement ratio is shared by the individual and the company, 8% for the company and 2% for the individual.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

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The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.