Did you buy employee medical insurance in the hospital?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

The company has paid medical insurance for its employees and will issue you a medical insurance card.

1 First of all, the medical insurance card has three functions: one is to pay by credit card at the outpatient clinic, the other is to buy medicine at the pharmacy, and the third is to show that there is medical insurance when you are hospitalized, and then the hospitalization expenses will be automatically deducted (excluding the self-funded part, 80% will be reimbursed);

The purchase ratio of medical insurance cards is shared by individuals and companies, with 8% for companies and 2% for individuals;

It is noted that 2% of individuals enter the medical insurance card (personal account, which can be used to buy medicines at designated pharmacies, pay outpatient expenses and pay hospitalization expenses), and most of the 8% paid by the company enters the social pooling account (the pooling account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the pooling account). If they are young people, only about 0.5% enter the medical insurance card.

Under normal circumstances, when you need to be hospitalized due to illness, you can go to your designated hospital with your medical insurance card and medical records, and settle with your medical insurance card. In other words, part of the payment is made at one's own expense (personal account), and part of the reimbursement is settled by the medical insurance center and the hospital (overall account).

If you transfer from a designated hospital to a secondary or tertiary hospital, you can use a medical insurance card to settle the account, as shown above.

6 If the patient is critically ill, hospitalized in a designated hospital outside this hospital, admitted to the emergency hospital or unable to show it on the spot due to unconsciousness, the insured/relatives can go to the designated place (such as the medical insurance center) for emergency rescue disease identification within X days, and can use the medical insurance card to settle accounts in the rescue hospital. This seems to be the case in most cases, and I don't know if it is the case in individual cases.

7 transfer to other places for treatment, and go through the referral procedures with the consent of the hospital and the medical insurance center. The expenses incurred in the field shall be settled by the individual at his own expense, and after the diagnosis and treatment, the community labor security workstation shall prepare the materials for reimbursement. Special diseases (cancer, uremia, organ transplantation) are recognized, and they will be settled by medical insurance card when they are hospitalized. The medical insurance card is still used when taking medicine out of the clinic, and the bills settled by individuals at their own expense will be reimbursed by the community labor security workstation this year.

When our medical insurance card is lost or reissued, it can be temporarily used as a medical insurance card with the certificate of loss reporting or the receipt of replacement card and valid identity documents;

As one of the vouchers for enjoying medical insurance benefits, the medical insurance card is kept by the insured, and can only be used by himself, and may not be lent to others;

10 When the medical insurance card is lost, the designated unit must report the loss in time;

1 1 When the money in the medical insurance card is used to buy medicine, it will be deducted from the medical insurance card. If the money in the card is not enough to pay, it needs to be deposited in the card. The rest of the money can be taken out directly without affecting other things. I went to the hospital last time, but this person's money is not in the medical insurance card and cannot be reimbursed. This is just a hospital patient card.

12 Not all medical care and medicines can be paid by medical insurance card, it depends on the local medical insurance catalogue. The purchased drugs and medical treatment items must be in the local medical insurance catalogue before they can be paid by medical insurance card. If the purchased drugs are not in the local medical insurance catalogue (that is, self-funded drugs and self-funded medical treatment items), they cannot be paid by medical insurance cards, and medical insurance cards can only be used in hospitals or pharmacies designated by local medical insurance centers.

13 Whether to enter the drugs or medical treatment items in the local medical insurance catalogue can be inquired on the website of the local medical insurance center, or on the relevant bulletin board in the lobby of a larger regular non-profit hospital, or consult hospital personnel.