Can I swipe my medical insurance card in an emergency?

You can swipe your medical insurance card in the emergency department.

As long as it meets the expenses within the scope of emergency medical insurance reimbursement, every ordinary insured person can be reimbursed. When you see a doctor in an emergency department, you always pay your own medical expenses first, and you can directly reimburse and then settle when you show your medical insurance card at the time of settlement.

Hanging an emergency department in a designated medical insurance hospital belongs to a medical insurance reimbursement project and can be reimbursed with a medical insurance card. The medical expenses that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, paid from the basic medical insurance fund.

Medical insurance coverage:

1, drug reimbursement for basic medical insurance

Our country now divides drugs into three categories: A, B and C, among which A drugs are within the scope of medical insurance, so medical insurance can only reimburse A drugs, and B and C drugs cannot be reimbursed;

2. Reimbursement of basic medical service facilities

This reimbursement scope mainly refers to bed fees, first-aid bed fees, consulting fees, etc. Expenses incurred by the insured in the process of diagnosis, treatment and nursing in designated medical insurance institutions;

3, the basic medical insurance treatment project reimbursement

It must be a safe and effective diagnosis and treatment, and the charging standard shall be determined by the price department. Need to be treated in a designated medical institution.

To sum up, medical insurance can be used for reimbursement of emergency medical treatment, regardless of whether the insured person is local or off-site.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

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

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.