How to use medical insurance card in hospital

Medical insurance card can be used for daily drug purchase, emergency treatment and hospitalization reimbursement, so how to use medical insurance during hospitalization? How to reimburse the medical insurance card after hospitalization? The following is how to use the medical insurance card for hospitalization, compiled by Zhishi Bian Xiao. I hope you like it!

How to use medical insurance card in hospital

The premise of using the medical insurance card is that you have already participated in the local medical insurance and have a record of the insurance payment last month. Consumers who meet the above two conditions can use medical insurance cards if they need to be hospitalized. So how to use the hospitalization medical insurance card? Please refer to the following process.

1. The insured person goes to the local designated hospital first, and after being diagnosed by the doctor, he will issue a notice of admission.

2. Bring the admission notice, local social security card or employee social security card, and go through the charging procedures at the hospital charge office.

3 after recovery, with social security card or employee social security card for discharge procedures, check the hospitalization expenses.

The above three steps are the use process of medical insurance card during hospitalization. So how to reimburse the medical insurance card for hospitalization? Please refer to the following process.

Medical insurance card hospitalization reimbursement

1. Please fill in the hospitalization registration form and return it to the toll collection office when you are hospitalized.

2. Settle with the discharge notice.

3. Bring the hospitalization invoice, discharge certificate, expense list, medical insurance card and ID card to the local social security bureau for reimbursement.

Proportion of hospitalization reimbursement for medical insurance

As for how much medical insurance can be reimbursed after hospitalization, it depends on the specific local conditions. Taking Shanghai as an example, the reimbursement ratio of residents' hospitalization medical insurance is:

1. Medical expenses incurred by on-the-job employees in hospitals or emergency observation rooms shall be paid by the overall fund, with the deductible line of 1500 yuan.

2. The on-the-job workers in a medical insurance year hospitalization or emergency observation room stay in hospital for observation of medical expenses, accumulated more than Qifubiaozhun, by pooling funds to pay 85%.

3. The medical expenses below the Qifubiaozhun for on-the-job employees and the remaining medical expenses paid by the overall fund shall be paid by the surplus funds of individual medical accounts over the years, and the insufficient part shall be borne by on-the-job employees.

4. Workers in a medical insurance year hospitalization, emergency observation room stay in hospital to observe the occurrence of medical expenses above Qifubiaozhun, as well as outpatient serious illness and family bed medical expenses, accumulated more than the highest payment limit of the overall fund (390,000 yuan) above, 80% paid by the additional fund, and the rest by the employees themselves.

How to use the money in the medical insurance card is the most cost-effective

Everyone who has a medical insurance card and often buys medicine hopes that he can not only buy affordable medicine, but also enrich his medical insurance card, which involves how to use the money in the medical insurance card.