Do I need a medical insurance card to go to the hospital?

You need a medical insurance card to go to the hospital.

The medical insurance card is an important identification and payment tool for the insured when visiting a medical institution. Medical expenses can be deducted or reimbursed by medical insurance card. If you don't bring your medical insurance card, it may affect the reimbursement or deduction process. If you don't have a medical insurance card, you can consult the front desk of the medical institution. According to local policies and regulations, you may be able to use other documents for reimbursement or deduction.

Medical insurance card reimbursement scope:

1, medical insurance card reimbursement is limited to medical expenses above hospitalization in designated hospitals due to diseases and some accidents. In general, the actual reimbursement rate ranges from 20% to 60%. Self-funded drugs are not reimbursed, 80% of Class B drugs are reimbursed, bed fees are limited, and some inspection fees and medical expenses cannot be reimbursed according to regulations;

2. The reimbursement amount of medical insurance card is 4 times of the average salary of local social workers;

3. The money in the medical insurance card can be used to buy medicines at designated pharmacies and pay for outpatient and emergency expenses, but it does not belong to the category of reimbursement, because the money in the medical insurance card is the money in the medical insurance personal account;

4. Reimbursement of serious illness insurance: The part of the insured who meets the requirements of the municipal medical insurance in the designated medical institutions of the municipal medical insurance is included in the payment scope of the residents' serious illness insurance, and 50% is reimbursed by the serious illness insurance fund.

To sum up, it is recommended to carry a medical insurance card as much as possible before seeing a doctor, so as not to affect the reimbursement or deduction of medical expenses.

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.