Uses and Usage of Medical Insurance Card

The medical insurance card is mainly used for the following purposes:

1. It can be used to buy medicines at pharmacies and pay for outpatient and emergency medical expenses;

2. It can be used to buy commercial insurance, accident insurance, etc.

3. It can be used to pay for medical expenses below the starting standard of the basic medical insurance co-ordination fund;

4. It can be used to pay for the expenses of hospitalization;

5. p>5. Payment of medical expenses for hospitalization for seven days prior to hospitalization for observation after emergency rescue;

6. Payment of medical expenses for the use of anti-exclusion drugs after treatment.

The most important use of health insurance is to pay for outpatient visits. When you present your health insurance card at a designated hospital to prove your insurance status and register, you do not need to pay before reimbursement, but you can directly settle the reimbursed portion of the bill between the health insurance and the hospital, and only at the billing time, the out-of-pocket portion of the bill will be paid by yourself with the balance of your health insurance card or in cash.

Hospitalization reimbursement, there is a starting line (the starting standard is generally 10% of the average annual salary of the city's employees in the previous year), that is, the starting line of the money need to pay for their own, more than the starting line of the part of the reimbursement of the local health insurance regulations, reimbursement rates are not the same everywhere, and different hospitals and different projects are not the same, about 80%, the details of which you can go to local The company's website is a good source of information about the company's products and services.

The money in the medical insurance card account cannot be used for shopping or cash, but it can be used to pay for the following expenses: the cost of medicines at designated retail pharmacies, outpatient and emergency medical expenses, and for the purchase of commercial insurance and accidental injury insurance.

Note: When the number of transactions on the card reaches 60, the insured employee must go to the savings office of the Bank of China to print the transaction record, otherwise, the use of the card will be stopped. After the transaction records are printed, the card can continue to be used.

How to use

1. Scope of use of the card: Insured employees can use the card at POS machines with their passwords when purchasing medicines at designated hospitals and pharmacies, but they cannot withdraw cash or make transfers.

2, medical insurance card balance inquiry: insured workers can call the phone 95566 balance inquiries, but also in the Bank of China Savings or urban designated hospitals, pharmacies inquiries. You can also log on the Internet in the social security query system to check. Or use your cell phone to log in to the mobile social security inquiry network [3] to check the balance of the medical insurance card.

3, medical insurance card transaction query: insured workers can go to the savings office of the Bank of China with ID card and medical insurance to request the printing of the medical insurance card transaction records, including the 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 the Bank of China to make inquiries

4, medical insurance card password: insured employees can change their passwords by calling 95566, or they can go to the savings office of the Bank of China with their ID cards to make changes. 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, health insurance card storage: insured workers should keep the health insurance card, if accidentally lost, please go to the unit immediately to issue a letter of proof and to the medical insurance office to confirm the seal, and then take the ID card to the savings office of the Bank of China to register the loss, and apply for the replacement of the card procedures, 7 days after the receipt of a new card.

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 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).

The hospitalization is covered by the health insurance, according to the actual amount spent, such as: spend 10,000 reimbursement between 55%-65%.

Legal basis

Article 14 of the Measures for the Administration of the Social Security Card of the People's Republic of China*** and the State of China The human resources and social security departments at all levels shall actively promote the application of social security cards in various business areas. For businesses that do not have the conditions to use the card for the time being, they shall make a good reservation. For businesses that need to be carried out with the help of financial functions, they shall be realized by carrying financial functions on the social security card.

Article 15 The human resources and social security departments at all levels shall safeguard the cardholder's right to inquire about and handle human resources and social security business, adopt technical means and management measures to protect the cardholder's privacy, and use the information related to the social security card in accordance with the law to ensure the safe use of social security cards.

Article 16 The provincial and prefectural human resources and social security departments approved to issue social security cards shall formulate clear application and management regulations for social security cards and release them to the society through expressly stating them in the service places and publicizing them on the government website, etc. The social security cards shall be issued in accordance with the provisions of the Law of the People's Republic of China. The application management regulations of social security cards shall include the following contents:

(1) the functions and uses of social security cards;

(2) the targets of social security card issuance, the conditions for applying for the card, and the application procedures;

(3) the scope of use of social security cards (including the limitations of their use), the period of their use, and the methods of using them;

(4) social security cards (d) The procedures for loss and replacement of damaged or lost social security cards;

(e) The rights and obligations of the card-issuing organization, the cardholder and other relevant parties.

Article 17 The Ministry of Human Resources and Social Security shall unify the planning and deployment of cross-regional application of social security cards, and implement the cross-regional application access system. The Office of the Leading Group of Informatization of the Ministry of Human Resources and Social Security is specifically responsible for checking the consistency and security of the card environment in various regions, and those that pass the check shall be accessed.

Article 18 The social security card shall be mainly used in the field of human resources and social security business. Under the premise of keeping the main functions unchanged, the standard specifications unchanged, the key system unchanged, the management of the main body unchanged, by the provincial human resources and social security departments agreed to the approval of the Ministry of Human Resources and Social Security, can be equipped with other public **** service functions.

Article 19 of the social security card is no longer used due to damage, loss, expiration and other reasons, shall be included in the invalid list. Failure list implementation of hierarchical management, the Ministry of Human Resources and Social Security, provincial, prefectural and municipal human resources and social security departments, respectively, to manage the national, provincial and city-wide social security card failure list, and provide query services.