What's the use of giving children medical insurance every year?

Children's medical insurance cards can be used for reimbursement of medical expenses, including medical insurance supplies, hospitalization and other medical-related items. As long as they are within the scope of medical insurance reimbursement, they can enjoy a certain proportion of reimbursement. In addition, if there is a balance in the medical insurance card, it can be purchased in pharmacies and hospitals, and it can also be used to pay for treatment.

It is necessary to buy medical insurance for children, because children have low disease resistance and are vulnerable to accidental injuries. Buying insurance will give children more protection.

The medical insurance card that children pay every year can be paid directly by card when they see a doctor. Although Cary has no money, after paying a certain amount (generally about 200 300 yuan), she will directly deduct the money, as long as she pays 40%~50% of the medical expenses, which means that she can get a discount for seeing a doctor.

About children's social security card

1. The annual medical insurance cost is 100 yuan.

2. Newborns can apply for social security at any time within one year of birth, but the local tax is 6-25 days every month.

3. If a newborn applies for a social security card within three months of birth, the expenses from birth to now can be reimbursed. If you apply for a social security card after three months, you can only reimburse medical expenses from the time you apply for the card.

But now you can go directly to the neighborhood Committee to get the form with the registered permanent residence. As long as the neighborhood Committee can find your baby's account information, it can do it directly without going to the local tax. Then take the entrustment number to the bank to go through the withholding formalities. When you go to the Labor Building to apply for a social security card, you should bring your household registration book and ID card.

In terms of treatment, general outpatient treatment can reduce the minimum 200 yuan of children when they are hospitalized, increase the accounting ratio of hospitalization medical expenses, and expand the drug list and the diagnosis and treatment items of major diseases in outpatient clinics. Secondly, buy children's medical insurance to facilitate medical referral. At present, there are many designated medical institutions for inpatient medical insurance and serious illness outpatient service, but the number of designated medical institutions for children's medical insurance is small, which has a certain impact on the insured's medical treatment. Moreover, children's medical insurance participants are not reimbursed for self-referral fees, so children's medical insurance can be reimbursed in proportion.

Finally, children's medical insurance is connected with the current medical insurance system, so that children can automatically switch to the corresponding medical insurance form after hospitalization, eliminating the troublesome procedures such as switching medical insurance and re-insurance. Children's medical insurance consists of three parts: children's accidental injury insurance, children's health medical insurance and children's education savings insurance. Provide children with health and education savings protection during their growth, so that parents can rest assured when their children grow up.

Legal basis:

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

Article 2 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 in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.