Is there any money in the medical insurance card for urban residents?

There is no money in the resident medical insurance card.

Because there is no personal account for residents' medical insurance, the insured pays once a year, and the paid fees are directly credited to the overall account. After the insured is sick, he can use the overall account for reimbursement. Usually, the medical insurance card for urban residents mainly records the detailed information of the insured, as well as the payment and reimbursement.

How to use the medical insurance card:

1, pay by credit card for outpatient service,

2, pharmacies to buy medicine,

3. Show your medical insurance card when you are in hospital, and then the hospitalization fee will be automatically removed.

4. The insured person can show the medical insurance card when registering for medical treatment. If the medical expenses are within the scope of medical insurance, they will be directly deducted from the card, and funds will be injected into the insured card every year according to the different payment amount. When the balance in the insured's card is deducted, it will enter the self-payment part. At this time, he will have to pay his own medical expenses.

Social security card has no money. Reason:

1. The medical insurance card is not activated. The current medical insurance card is actually the second generation social security card. It not only has the medical insurance settlement function of the previous social security card, but also has the functions of identity identification, self-inquiry, treatment collection, financial payment and so on. If it is not activated, the money in the personal account of the medical insurance card will not be wasted, but it is only recorded in the social security system and cannot be consumed.

2. Participate in medical insurance for urban and rural residents. In fact, there are two kinds of medical insurance in China, the basic medical insurance for urban workers and the medical insurance for urban and rural residents. Urban and rural residents pay less for medical insurance and the level of medical insurance protection is low. In order to improve the efficiency of the use of funds for medical insurance for urban and rural residents, the state explicitly prohibits the establishment of individual accounts for medical insurance for urban and rural residents.

3. Local special medical insurance. At present, most of our medical insurance is based on prefecture-level cities, and the corresponding payment methods, payment ratios, reimbursement ratios and other factors are determined by local governments themselves.

4. Medical insurance outpatient reimbursement. In fact, the country will promote the economic security mechanism of basic medical insurance for employees in the next step. This model is to gradually reduce the amount of personal medical insurance account and the outpatient co-ordination reimbursement mechanism. Mainly chronic diseases such as hypertension and diabetes, and gradually expand the coverage to the general outpatient reimbursement of frequently-occurring diseases and common diseases.

5, the unit did not pay in time. Medical insurance personal accounts are included, and all employees are included after paying enterprise social insurance premiums. If the unit fails to pay in time, it will not be included in the personal account of medical insurance and will not use the social security card. For retired workers in some places, due to the late establishment of medical insurance, the corresponding enterprises need to pay it in one lump sum or gradually over a period of time. If the payment is insufficient, there will be no money in the medical insurance personal account of retired employees.

legal ground

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

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

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.

Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(three) shall be borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.