Do you need to open your own integrated account for health insurance?

Medical insurance account needs to be opened. Medical insurance card as a bank card need to be opened, here is what is also referred to as the social security card in which the financial function needs to be opened, in order to be used as a bank card. You need to activate the card at the bank where the card is opened before you can use it. Individual social security account is a worker to pay social security fees obtained, which contains the basic pension insurance, basic medical insurance and unemployment insurance three kinds of insurance, while the integrated account is used for the unified management of social security fund an account, including public **** insurance, welfare protection, medical insurance and family planning services and other kinds of social security fees and expenses, is an important part of the social security fund.

The difference between the integrated account and the individual account

The difference between the integrated account and the individual account is as follows:

1. The functions are different: the integrated account is mainly used for reimbursement of medical expenses, such as reimbursement of medical expenses for hospitalization, referral from other places, and outpatient chronic or special diseases; the individual account is mainly used for small expenses other than reimbursement of medical expenses, such as in the designated drugstore The individual account is mainly used for small expenses other than those reimbursed by the medical insurance, such as buying medicines at designated pharmacies, outpatient visits, and out-of-pocket payments after reimbursement, etc.;

2, the funds are not the same: most of the funds are allocated to the co-ordinated account, and a small portion of the funds are allocated to the individual account. The individual account of the money to meet the conditions can be taken out, the death of the insured person or immigration, or leave the transfer to foreign work, you can apply for the health insurance card individual account of the money taken out.

From the above, you can see that the medical insurance needs to be opened, activated in the medical insurance card opening bank, can be used.

Legal basis:

"Employee Basic Medical Insurance Measures"

Article 5

Basic medical insurance contribution ratio, outpatient and emergency out-of-pocket segment standards, the starting standard of the integrated fund, the integrated fund and the proportion of the payment of the additional funds, the integrated fund maximum payment limit, shall be based on the level of basic medical insurance and the level of economic and social development of the city in line, Adjustments shall be made at an appropriate time according to the principles of maintaining a reasonable gradient of basic medical insurance treatment and improving the efficiency of medical resource utilization. Specific adjustment program, by the Municipal Bureau of Human Resources and Social Security in conjunction with the relevant departments to study, justify and report to the Municipal People's Government agreed to be announced after the implementation.

The Chinese People's **** and State Social Insurance Law

Article 28

Medical expenses in line with the basic medical insurance drug catalog, diagnostic and treatment items, standards of medical service facilities, as well as emergency and rescue, shall be paid from the basic medical insurance fund in accordance with national regulations.

Article 29

The portion of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be settled directly between the social insurance administration organization and the medical institutions and drug business units. The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.