How to see an outpatient with no money on your health insurance card

The fact that there is no money in the individual account or in the medical insurance card does not affect the visit to the doctor.

1, employee health insurance is divided into two parts: the integrated fund and personal account. Individual account part, is the monthly return to the social security card money, this part is in accordance with the age structure of the proportional return, the older the age, the higher the proportion of the return, the individual health insurance card is mainly used for outpatient registration, see the doctor or go to the pharmacy to buy medicines, if the money in the health insurance card is exhausted, to outpatient visits or to buy medicines will need to pay for their own, but if the outpatient visits to the doctor if you reach the starting line of the health insurance reimbursement, when hospitalized, are But if the outpatient visit reaches the starting point of reimbursement, when you are hospitalized, you don't need to pay from your personal account, but from the integrated fund of the medical insurance, except for the reimbursement rate, the part of the personal payment needs to be paid by the individual.

2, the coordinated fund and individual accounts are accounted for separately, and shall not be misappropriated by each other;

3, urban and rural residents' medical insurance is generally a one-time payment for one year

Medicare card use:

1, the scope of use of the card: insured workers in designated hospitals, pharmacies, medicine, medicine purchase, you can with the password in the POS machine swipe the card to use, but can not withdraw cash or transfer the use of. But it cannot be used to withdraw cash or transfer funds.

2. Balance inquiry of medical insurance card: insured workers can inquire about the balance by calling the telephone, or at the savings office of the Bank of China or designated hospitals and pharmacies in urban areas. You can also go online and log in the social security inquiry system to check.

3. Medical insurance card transaction inquiry: insured workers can go to the savings office of the Bank of China with their ID cards and medical certificates to request a printout of the medical insurance card transaction records, including the allocation records of individual account funds and consumption records. If you have any questions about the transaction records, you can go to the Retail Business Department of BOC to make inquiries.

4. Password of medical insurance card: If the insured workers change their passwords, they can call the phone number to change it, or they can go to the savings office of BOC with their ID cards to change it. If the insured employee forgets the password, he can go to the savings office of the Bank of China with his ID card to lose the original password and change the password.

5. Custody of medical insurance card: insured employees should keep their medical insurance cards properly. If they lose their cards inadvertently, they should immediately go to the unit to issue a letter of proof and go to the medical insurance office to confirm the seal, and then go to the savings office of the Bank of China with their ID cards to report the loss of the card and go through the procedure of replacing the card, and then they can get a new card after 7 days.

6. Note: When the number of transactions on the medical insurance card reaches 60, the insured employee must go to the savings office of BOC to print the transaction record, otherwise, the use of the card will be stopped. After the transaction records are printed, the card can continue to be used.

Legal basis:

Regulations on Medical Insurance of the People's Republic of China

Article 28 Individual account shall be used to pay for medical expenses beyond the scope of payment by the centralized fund; any shortfall in payment by the individual account shall be borne by the individual himself/herself.

The Social Insurance Law of the People's Republic of China

Article 2 The State establishes a system of social insurance, including basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, to safeguard the right of citizens to obtain material assistance from the State and society in accordance with the law in the event of old age, sickness, industrial injury, unemployment or maternity.

Article 23 Employees shall participate in basic medical insurance for employees, and the employer and the employee shall pay the basic medical insurance premiums in accordance with state regulations***. Individual industrial and commercial households without employees, part-time workers who do not participate in the basic medical insurance for employees in their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.

Article 25 The State establishes and improves the basic medical insurance system for urban residents. Basic medical insurance for urban residents shall be a combination of individual contributions and government subsidies.

The government shall subsidize the part of individual contributions required by those who are entitled to the minimum subsistence guarantee, persons with disabilities who have lost their ability to work, and elderly persons and minors over sixty years of age from low-income families.

Article 30 The following medical expenses shall not be included in the scope of payment by the Basic Medical Insurance Fund:

(1) those which should be paid from the Workmen's Compensation Insurance Fund;

(2) those which should be borne by a third person;

(3) those which should be borne by the public ****health;

(4) those who seek medical treatment outside China.

Medical expenses shall be borne by a third person in accordance with the law, and if the third person fails to pay or if the third person cannot be identified, the basic medical insurance fund shall pay in advance. The basic medical insurance fund shall have the right to recover the costs from the third party after the first payment.