Operation process of medical insurance credit card

Legal analysis: 1. Designated hospital, no hospitalization: if you are not hospitalized, you can use the medical insurance card to swipe your card directly on the pos machine, that is, pay for medical treatment and medicine. Pay attention to the window designated by medical insurance, and the medical insurance card cannot be used for cash withdrawal or transfer.

2. Designated hospitals for medical insurance hospitalization: medical insurance cards can be issued for hospitalization, so that the unified medical insurance settlement system can read the information of the insured and handle the hospitalization number. When you are discharged from the hospital, the medical insurance system will not charge you for the "reimbursement" part (that is, you have already reimbursed a part). The specific reimbursement ratio varies from place to place.

Third, medical insurance designated pharmacies: when we buy medicine, we can pay directly with the medical insurance card. But make sure there is enough money in the medical insurance card, and if it is not enough, you should make up it yourself.

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.