What should I do if the medical insurance is heavy?

What should I do if the medical insurance is heavy? Details are as follows:

1. After paying the medical insurance premium in one lump sum, the insured individuals are eligible to enjoy the preferential rates of medical insurance and financial subsidies upon examination. If the insured person has paid according to the specified payment base and proportion, he may apply for refund of the benefits and subsidies he should enjoy.

2. If the payment base and payment proportion are not in conformity with the provisions, the county medical insurance agency shall verify the refund amount and apply for a refund according to the payment standard before the municipal co-ordination. After being audited by the Human Resources and Social Security Bureau and the Finance Bureau, it shall be reported to the Municipal Social Security Bureau for review. After being approved by the Municipal Human Resources and Social Security Bureau and the Municipal Finance Bureau, the fee can be refunded.

3, the individual insured according to the annual normal payment, audited in line with the preferential policies of medical insurance, but turned to employees insured or died, according to the preferential policies of medical insurance to calculate the amount.

4. During the period of receiving unemployment insurance benefits, the individual insured has been insured and paid by the unemployment insurance agency, and at the same time participated in the employee medical insurance as an individual, resulting in repeated payment. I can apply for refund of the fees paid by individuals during the repetition period in the following year. If it's too much trouble, you can find someone to pay social security.

Attention should be paid to the use of medical insurance cards:

1. Cash withdrawal is prohibited.

No unit or individual may violate the scope and requirements of the medical insurance card, and it is strictly forbidden to take cash.

2. Some provincial and municipal medical insurance cards can be used by the whole family.

In some provinces and cities, such as Zhejiang Province and Guangzhou City, the surplus funds in personal accounts of medical insurance over the years can be used to pay the medical insurance expenses of the spouses, children, parents and other close relatives of employees' basic medical insurance participants, so as to realize mutual assistance among family members.

3. The following medical insurance will not be paid.

Seeing a doctor in a non-designated medical institution or buying medicine in a non-designated retail pharmacy (except emergency): self-injury caused by personal fighting, drug abuse or other illegal acts; Treatment for alcoholism, suicide and self-mutilation; Injuries caused by traffic accidents, medical accidents or other liability accidents; And the situation that the state or local regulations should be paid by individuals.

To sum up, if the medical insurance is overpaid, you can contact the medical insurance department to find out the reasons for overpayment and ask for a refund of the overpaid fees.

Legal basis:

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

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The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.