How to pay the social security card for Qingdao students?

If you are a student at school, the school will take out medical insurance and pay the medical insurance premium every year. Students who are insured to pay medical insurance only need to pay half of their own expenses, and the other half is paid by local financial allocation.

The functions of social security cards include:

1. Inquire about personal social security related information, e-cert and information inquiry, etc.

2. It can record the insured's name, ID number, gender, nationality, household registration and other information, so it can be used for identity identification;

3. You can inquire about the premium payment of the insured's own endowment insurance, medical insurance, work injury insurance, unemployment insurance and maternity insurance;

4. When seeking medical treatment and purchasing medicines in designated medical institutions, personal accounts can be used for settlement or medical insurance co-ordination accounts can be used for reimbursement;

5. Can handle social security related affairs, etc.

First, the following are the detailed policies for medical insurance reimbursement.

1. The medical insurance is divided into two accounts, the personal account, and the money reflected by the medical insurance card can be used to buy medicines at designated pharmacies, and the individual pays for outpatient expenses and hospitalization expenses; The overall account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the overall account.

2. When seeing a doctor, show the medical insurance card to the designated hospital to prove the identity and registration of the insured. The part of medical insurance reimbursement is settled by medical insurance and hospitals, and individuals do not need to pay in advance before reimbursement. At the time of checkout, the part paid by the individual is paid by the balance of the medical insurance card and cash.

3. There is a deductible when reimbursement for hospitalization (the deductible standard is generally 10% of the average annual salary of employees in the city last year), which means that the money above the deductible needs to be paid by itself, and the part beyond the deductible can be reimbursed according to local medical insurance regulations. The proportion of reimbursement varies from place to place, and different projects in different hospitals are also different. I can't give it to you, about 80%, but I can go to work locally.

Second, let's talk about the role of social security five insurance and provident fund:

Endowment insurance: retirement salary

Medical insurance: medical reimbursement, serious illness co-ordination

Maternity insurance: women can enjoy reimbursement and subsidies during childbirth, and men can enjoy reimbursement and subsidies for fertility ligation and reproductive health.

Unemployment insurance: you can receive unemployment benefits for a certain period of time when you are unemployed.

Industrial injury insurance: compensation in case of industrial injury.

Provident fund: you can borrow money to buy a house, and the interest rate is low. You can return it when you repay it. If you don't borrow money, you can withdraw it at one time when you retire.

Legal basis:

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

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask 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.

Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan.

The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance.

The state supports social insurance through preferential tax policies.

Article 6 The State exercises strict supervision over social insurance funds.

The State Council and the people's governments of provinces, autonomous regions and municipalities directly under the Central Government shall establish and improve the supervision and management system of social insurance funds to ensure the safe and effective operation of social insurance funds.

People's governments at or above the county level shall take measures to encourage and support all sectors of society to participate in the supervision of social insurance funds.