What is the difference between a health insurance manual and a health insurance card?

There is no difference, the health insurance manual number is actually also called the health insurance card number, just called differently, the essence is still the same.

It is a unique number for the health insurance system to identify each participant when health insurance was first introduced in China. In the past, when the Internet was not developed and the social and economic development was not rapid, the insured person could use the medical insurance handbook number to inquire about their own participation, payment status and so on.

It also records the personal identity information and payment information of the insured. However, with the rapid development of science and technology and the Internet in China, China has now unified the issuance of medical insurance cards for the use of the insured. And the medical insurance card has a variety of uses, people also began to gradually accustomed to and tend to use the medical insurance card to purchase medicines and so on.

Expanded Information

Social health insurance card content briefly

Social health insurance card, referred to as the medical insurance card or medical insurance card, is the medical insurance personal account special card, personal identity card as the identification code, storage records of personal identity card number, name, gender, as well as the account of the allocation of funds, spending and so on. The card is a special card for medical insurance personal account.

The medical insurance card, which is a kind of multifunctional debit card, is organized by the local designated agent bank. The local health insurance department commissions the bank to disburse the portion of the individual account fund to the insured employee's personal health insurance card at the end of the month after the insured unit pays its contribution.

How to use the social medical insurance card

1, the scope of use of the medical insurance card: the insured workers in the designated hospitals, pharmacies, medicine purchase, with the password in the POS machine swipe the card to use, but can not withdraw cash or transfer the use of the card.

2, medical insurance card balance inquiry: insured workers can call the phone for balance inquiries, but also in the Bank of China savings offices or urban designated hospitals, pharmacies. You can also go online and log in the social security inquiry system.

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 individual account fund disbursement records 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, medical insurance card password: If the insured employee changes his password, he can call the phone number to change it, or he can go to the savings office of Bank of China with his ID card 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, medical insurance card storage: insured workers should keep their medical insurance cards properly, if lost, please 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 an ID card to register the loss, and go through the procedure of replacing the card, and then you 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 the Bank of China to print out the transaction records, otherwise, the use of the card will be stopped. After the transaction records are printed, the card can continue to be used.

At the pharmacy, 100% of the cost is borne by oneself, and hospitalization is the only way to enjoy the reimbursement rate (it must also be within the scope of medical insurance).

Hospitalization within the scope of health insurance, depending on the actual amount spent, such as: spend 10,000 yuan reimbursement range between 55%-65%.

Medicare card chaos should be managed

Medicare card is known as "life-saving card". However, in some social pharmacies, health insurance card irregularities are rife, some people use health insurance card illegal shopping, cash, fraud, buy drugs sold at low prices, promote illegal underground drug black market transactions, resulting in the loss of health insurance funds, to the national health insurance system to lay a serious security risks.

China's current health insurance system is to alleviate the urban residents "expensive" one of the means, is the people's "life-saving card". However, we have seen that in some places, the medical insurance card has been transformed into a shopping card, which is used to buy soy sauce, towels, chili sauce, toothbrushes and toothpaste. What's worse, some pharmacies even condone illegal cash, illegal "black market" transactions.

A few people have also used their health insurance cards to buy in-demand medicines, which have flowed into the black market through unscrupulous elements, posing a threat to the country's drug safety and healthcare system.

The root cause of the irregularities in the medical insurance card program is the lack of law enforcement. The Social Insurance Law does not clearly stipulate the standardized use of health insurance card funds, some bad health insurance designated pharmacies have lost the integrity of the concept of business, disregard for the relevant provisions of the State, the operation of irregularities in order to obtain undue benefits; penalties are too lenient, the current national law on the lack of protection of health insurance funds;

Individual consumers have "health insurance card is their own money, do not buy drugs also The wrong concept of buying some daily necessities can also get some benefits", which provides a hotbed for some pharmacies to violate the law.

Medicare card violations of the chaos is another important reason, is the regulatory system is not sound, the lack of supervision leads to the use of health insurance card to stray from the regulatory vacuum.

The money in the individual account of the health insurance card is the life-saving money of the participants, with the nature of the special fund, can not be diverted to other uses, which not only has the employee's personal contribution to the cost of the government and the unit of co-ordinated allocation of the cost of the urban residents of the irregular use of the health insurance card, which led directly to the loss of health insurance funds, damage is the public's interest in health care, loss of the national health insurance funds.

Medicare funds are directly related to the majority of participants in the vital interests of life and health security, how to protect the operation of health insurance funds security?

Medicare fund management department should do a good job of health insurance policy propaganda, actively publicize the function and significance of the health insurance account, guide the majority of insured people to correctly use the health insurance card, to help the people set up a correct concept, not to misuse the "life-saving money".

Should strengthen the retail drug access system, standardize the business behavior of the health insurance service institutions, found that the business process of violating the code of practice should be transferred to the relevant administrative departments to deal with the establishment of a good faith system, the violation of good faith disqualification, or even into the blacklist and to the community, so that those who violate the law can not do.

Should increase the disciplinary efforts, the discovery of illegal sale of non-medical supplies, the use of medical insurance card cash transactions, theft of personal account funds and other violations of the implementation of "zero tolerance", the suspected of criminal transfer to the judicial organs to investigate the criminal responsibility, strict investigation and strict punishment, to increase the cost of violations.

In addition, improve the health insurance regulatory mechanism, strengthen the health insurance, health, drug supervision, public security and industry and commerce and other departments of the supervision of the synergy, the health insurance regulatory gates forward to plug regulatory loopholes, and increase the supervision and inspection efforts to find a banned one, and will not be tolerated.

Baidu Encyclopedia - Social Health Insurance Card