How long can the social security card reimburse medical expenses?

The social security paid by the unit can be reimbursed in the hospital in the following month, while the social security paid by the individual generally needs to be paid for more than half a year to enjoy the reimbursement treatment.

When going through the hospitalization formalities, the medical insurance records and medical insurance cards should be handed over to the inpatient department of the hospital for the smooth use of the medical insurance pooling account. If it cannot be submitted at that time due to emergency, the medical insurance records and cards should be handed over to the hospital in time. Under normal circumstances, if there is a deductible line for medical insurance reimbursement, different inpatient deductible lines will be set according to different levels of hospitals. The higher the level, the higher the deductible. City level 1 and below hospitals 100 yuan, city level 2 hospital 200 yuan, city level 3 hospital 300 yuan, non-local hospital 400 yuan. If the deductible line is not reached, reimbursement will not be supported. In other words, you must be above the deductible to be reimbursed. The part above the deductible line shall be reimbursed according to the regulations. In addition, there may be some drugs that are not covered by medical insurance and need to be borne by themselves, so you need to pay some cash when you go through the hospitalization procedures.

Medical insurance reimbursement is carried out in proportion, and the proportion of hospitalization reimbursement in different levels of hospitals is different. Generally floating around 70%. The proportion and amount of reimbursement are related to their own examination and medication, medical level and other factors. For example, it is clear that Class A drugs can enjoy full coverage, Class C drugs need to bear all the costs, and Class B drugs will report 80% and bear 20% of the costs.

Proportion of individuals and units paying social security:

1, basic old-age insurance: the unit pays 20% per month and the individual pays 8%;

2. Basic medical insurance: the unit pays 9% per month and the individual pays 2%;

3. Unemployment insurance: the unit pays 1.5%, and the individual pays 0.5% every month;

4. Work-related injury insurance: the unit pays 1% every month, and the individual does not need to pay;

5. Maternity insurance: the unit pays 1% every month, and the individual does not need to pay.

To sum up, the general employee medical insurance can be reimbursed in the second month of payment. However, if they have already participated in medical insurance before the company and have suspended payment for more than three months due to resignation, they must wait for six months to enjoy reimbursement.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly 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.