Does the child have social security? How to use it?

First, the use:

Children's social security card is actually a medical insurance card, because children only participate in residents' medical insurance.

The card will take effect after paying the premium every year (generally about 100 yuan). You can pay the bill directly by credit card when you see a doctor. Although Cary has no money, after you pay a certain amount (generally about 200 300 yuan), you can deduct it directly, as long as you pay 40%~50% of the medical expenses.

1, swipe your card at the general clinic. When insured children go to designated hospitals and pharmacies for medical treatment, they can swipe their cards on POS machines with their passwords and use urban residents' medical insurance cards, but they cannot withdraw cash or transfer money.

2, hospitalization credit card, designated medical institutions must show their medical insurance card and my ID card (household registration book) when they enter the hospital, and be reimbursed on the spot according to the policy proportion when they leave the hospital.

3. If it is a medical insurance financial card, it also has the function of bank debit card.

Second, about children's social security card:

1. The annual medical insurance cost is 100 yuan.

2. Newborns can apply for social security at any time within one year of birth, but the local tax is 6-25 days every month.

3. If a newborn applies for a social security card within three months of birth, the expenses from birth to now can be reimbursed. If you apply for a social security card after three months, you can only reimburse medical expenses from the time you apply for the card.

But now you can go directly to the neighborhood Committee to get the form with the registered permanent residence. As long as the neighborhood Committee can find your baby's account information, it can do it directly without going to the local tax. Then take the entrustment number to the bank to go through the withholding formalities. When you go to the Labor Building to apply for a social security card, you should bring your household registration book and ID card.

In daily life, many parents will provide medical insurance for their babies, but some parents can't tell the difference between their children's social security cards and medical insurance cards. Then, in view of this problem, I will give you a detailed introduction, and interested friends will have a look.

What's the difference between children's social security card and medical insurance card?

What is child health insurance?

It is a guarantee for medical expenses such as hospitalization, treatment and surgery caused by certain diseases reported by insurance for minor children. At present, China's basic medical system basically has a very low level of medical security for children. It is suggested that we can consider referring to some commercial security to reduce family risks.

Children's medical insurance reimbursement method

Students and children who are hospitalized or treated for special diseases shall be paid in advance by individuals when seeking medical treatment, and the medical expenses incurred shall be accounted for by designated medical institutions. At the time of settlement, the part paid by the serious illness medical insurance fund shall be settled by designated medical institutions and social insurance agencies, and the rest of the medical expenses shall be settled by individuals and designated medical institutions.

The Guarantee Function of Children's Medical Insurance

There are two kinds of children's medical insurance that we usually contact: children's social insurance and commercial children's health insurance.

Children's social security can provide children with the most basic medical security. Although the proportion of compensation and the maximum compensation are not as good as commercial insurance. But it also has two advantages.

First, you can make claims for outpatient medical expenses.

Outpatient expenses often occur, but commercial insurance generally does not bear the insurance responsibility of disease outpatient service (except in some cases, such as: Health Treasure Children's Insurance of Kunlun Health Insurance Company provides reimbursement for outpatient expenses of special diseases).

What's the difference between children's social security card and medical insurance card?

Second, it can provide protection for congenital diseases and past diseases.

Some children may be born with some diseases. In order to control risks, commercial insurance does not provide guarantee services for this part of treatment costs. The price of social medical insurance for children is also relatively low. Parents are advised to insure their children first, and then supplement and improve them with commercial insurance.

Children's commercial medical insurance includes three aspects: children's serious illness, children's hospitalization allowance and children's hospitalization expenses reimbursement. At present, serious diseases are showing a trend of younger age, and reports of serious diseases in children are common. Many families are burdened by heavy medical expenses. Different from the post-event reimbursement of social security contributions, critical illness insurance can provide funds for follow-up treatment for children at the first time of diagnosis, with stronger protection and avoiding the dilemma of no money for treatment. The general rate of critical illness insurance insured separately is higher than that of critical illness insurance with the same amount as additional insurance. Parents can take out children's critical illness insurance in addition to the education fund insurance to provide protection for their children and save premiums.

In order to better compensate social security for children's medical care, parents can choose children's medical insurance products beyond social security (the scope of protection covers medical items outside the social security payment catalogue). To sum up, parents should pay attention to all kinds of insurance when insuring their children, and the benefits of combined insurance are greater.

What's the difference between children's social security card and medical insurance card?

Social security card is a multi-functional "identity card" for registered permanent residence in its city. As long as it is an account in the city where it is located, it can be handled, but the social security card has no medical insurance function.

The medical insurance card (with the words "special for medical insurance" printed on the card surface) is used by people who have participated in medical insurance but have not received a social security card. Just remember that it only has the function of medical insurance settlement, and there is no other function. At the same time, social security card can have the function of medical insurance card. For example, if a child has not received a social security card after receiving medical insurance, he will issue a special medical insurance card for medical settlement. For medical insurance, there is no need to get a social security card. This is the first point.

If the child has already applied for a social security card before doing medical insurance, then the function of the social security card will have a medical insurance card, and the medical insurance department will no longer issue medical insurance cards. On the other hand, if a child applies for medical insurance and gets a medical insurance card, then he will apply for a social security card. At this time, the functions of the two cards are exactly the same. Only after the social security card is used will the medical insurance card become invalid (this is because the social security card will gradually replace the medical insurance card in the future). Then, some parents think that as long as they are registered in the city where they live, they can apply for social security cards and do not need to participate in medical insurance. This understanding is wrong. If the child only applies for a social security card and does not participate in medical insurance, the social security card is just a card and has no function.

What's the difference between children's social security card and medical insurance card? Through the above introduction, I believe everyone has already understood. The above also introduces in detail the protection function of children's medical insurance and other related contents. I hope this article can help you.

My child applied for it in March this year, and it is called the resident medical insurance card. It is 220/ year, and only about 50% can be reimbursed for hospitalization in the designated medical insurance hospital, but not for outpatient service.

I. Handling process

Every place may be different. We coordinate Hubei. As long as you have an ID number after birth, you can apply. You must have an ID number. First go to the neighborhood Committee where the jurisdiction is located to register, and the neighborhood Committee will report the information. About half a month, and then go to the designated bank to pay 220 yuan, take the bank bill, the applicant's ID card, and the child's household registration book to the District Social Security Bureau. The district social security bureau gives you a receipt. Five months later, you take the receipt to the district social security bureau to apply for a medical insurance card. During the waiting period of 5 months, if you are hospitalized, you can use a temporary card for reimbursement. You don't need to submit photos to apply for a children's medical insurance card, and you can use a unified photo.

Second, reimbursement hospitals and reimbursement ratio

Not all hospitals can use medical insurance cards, only designated hospitals can use medical insurance cards. Medical insurance designated hospitals refer to the list of hospitals with social security medical qualifications published by the social security department within their jurisdiction, and they go to designated hospitals for medical treatment with medical insurance cards. Medical insurance designated hospitals are divided into first-class hospitals and second-class hospitals, and first-class hospitals are divided into first-,second-and third-class hospitals.

Minors incurred medical expenses of less than RMB 6.5438+0.8 million within one settlement year, and the threshold of tertiary hospitals was 500 yuan, and the reimbursement rate was 55%. The qifubiaozhun for secondary hospitals is 300 yuan, and the reimbursement rate is 60%; There is no Qifubiaozhun in first-class hospitals, and the reimbursement rate is 65%.

Third, the hospitalization reimbursement process.

Give the medical insurance card to the hospital when you go through the hospitalization formalities, pay some money first, which is not lower than the minimum deductible line of medical insurance, and automatically settle the account when you leave the hospital. Those who are not within the scope of medical insurance reimbursement will not be reimbursed. My friend's 4-year-old child is hospitalized due to illness. Yesterday, I went through the discharge formalities according to this process.

Fourth, a little advice and blessing.

It is suggested to purchase a commercial insurance as a supplement when handling the resident medical insurance card, and the rest after medical insurance reimbursement can be reimbursed through commercial insurance.

I hope every child is healthy and safe, and never need a medical insurance card.

legal ground

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

Article 24 The state establishes and improves the new rural cooperative medical system.

Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.