What should I do without a medical insurance card?

The way to see a doctor without a medical insurance card is as follows:

1. When hanging the emergency patient number in the hospital: those who belong to the local designated medical insurance hospital can enjoy reimbursement treatment when hanging the emergency patient number in the hospital, regardless of whether they have a medical insurance card or not. Only individuals need to pay all the expenses first, and then bring the receipts, prescriptions and diagnosis certificates issued by the hospital to the medical insurance institution for reimbursement.

2. When you have applied for an electronic social security card in a general outpatient clinic: when you register in a general outpatient clinic, the hospital requires that you must go to a designated hospital with a social security card to enjoy reimbursement. If you have applied for an electronic social security card before, it will not affect the reimbursement of related expenses. Just show the QR code of the electronic social security card and cooperate with the staff to scan the code for settlement.

Medical insurance card reimbursement is as follows:

1. When entering or leaving the hospital, you must go through the registration formalities with the medical insurance IC card at the medical insurance management window of each designated medical institution.

2. After the insured is hospitalized, the deductible line of the overall fund is divided into three grades: tertiary hospital 1000 yuan, secondary hospital 600 yuan, and primary hospital 400 yuan. In a basic medical insurance settlement year, the medical expenses for multiple hospitalizations are calculated cumulatively.

3, the insured due to illness need referral (hospitalization), shall be approved by the designated medical institutions (three or more) deputy chief physician or chief physician diagnosis put forward referral (hospitalization) opinions, by the unit to fill in the application form, after the approval of the designated medical institutions medical insurance management department reported to the municipal (District) social security institutions for referral (hospitalization) procedures.

4. When the designated medical institutions are discharged from the hospital, the reimbursement amount and the amount payable by individuals shall be calculated by the designated medical institutions, and the reimbursement amount shall be settled by the designated medical institutions and urban social insurance agencies, and the amount payable by individuals shall be settled by the designated medical institutions and the insured.

5. When visiting a designated hospital, show the medical insurance card to prove the identity and registration of the insured. Individuals do not need to pay first and then reimburse, and the part of medical insurance reimbursement can be directly settled by medical insurance and hospitals. Only when the account is settled, the self-funded part will be paid by the balance of the medical insurance card or cash.

To sum up: all drugs that can be reimbursed should be drugs within the scope of medical insurance. If it is drugs outside the scope of medical insurance, they are all self-funded drugs and cannot be reimbursed.

Legal basis:

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

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

According to the law, if it is known that the employer and its employees are in arrears with medical insurance premiums, they shall suspend their enjoyment of medical insurance benefits from 1 day of the next month, and shall pay them in full in time.