What does social medical insurance mean?

Social medical insurance is enforced by the state through legislation and is a medical insurance system. It is mainly to provide appropriate subsidies or reimbursement for medical expenses required by workers when they are sick, and to provide an insurance for medical reimbursement.

Social medical insurance is a part of social security, and enterprises must handle it for employees. The cost of social medical insurance is also paid by enterprises and employees, and employers and individuals will pay insurance premiums according to a certain proportion. Among them, enterprises are generally responsible for paying 6%, and employees pay 2%+3 of their wages.

After employees apply for social medical insurance, when paying for outpatient, drug purchase or hospitalization medical expenses, the medical expenses that need to be paid by themselves can be settled directly with the personal account IC card of medical insurance, and the excess expenses need to be paid by the employees themselves in cash.

Of course, in order to reimburse medical expenses, employees need to register with the social security center by their family members or others with medical insurance cards within three days of hospitalization. If it is an outpatient reimbursement, after registration in the social security center, the social security center is needed for medical appraisal.