What about the citizen card? Do I have to buy medicine for medical insurance?

The medical insurance card can only be used when I seek medical treatment, and cannot be lent to others. If the insured gives his medical insurance card to others for use, once he exceeds the annual maximum payment limit, he will not be able to enjoy medical insurance reimbursement when he falls ill again.

The scope of medical insurance reimbursement is as follows:

1, medical insurance card reimbursement is limited to medical expenses above hospitalization in designated hospitals due to diseases and some accidents. The reimbursement formula is: (total cost-threshold cost-self-funded cost-cost overrun) (75+ age 0.2)%. In general, the actual reimbursement rate ranges from 20% to 60%. Self-funded drugs are not reimbursed, 80% of Class B drugs are reimbursed, bed fees are limited, and some inspection fees and medical expenses cannot be reimbursed according to regulations;

2. The reimbursement amount of medical insurance card is 4 times of the average salary of local social workers (1 year cumulative value);

3. The money in the medical insurance card can be used to buy medicines at designated pharmacies and pay for outpatient and emergency expenses, but it does not belong to the category of reimbursement, because the money in the medical insurance card is the money in the medical insurance personal account;

4, serious illness insurance reimbursement insured suffering from a serious illness, in the city's medical insurance designated medical institutions, in line with the provisions of the city's medical insurance personal responsibility, into the scope of payment of residents' serious illness insurance, 50% reimbursement by the serious illness insurance fund.

To sum up, it is unnecessary for medical insurance card to buy medicine, because medical insurance card has payment function. The medical insurance card itself is a social security card, which contains a bank chip and a social security chip. You can save your own money and use it as a bank card. However, pharmacies and hospitals with medical insurance credit card permission can swipe their cards and anyone can use them, but only if they agree and know the password.

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.