Is the social security card for medical treatment directly reduced?

The social security card is directly reduced for medical treatment. Only those who meet the requirements can be reimbursed, and they can only be reimbursed after the continuous payment reaches the prescribed time limit; Reimbursement can only be made if it exceeds the deductible line; Medical insurance has a cap line and cannot be reimbursed indefinitely; Some drugs and surcharges cannot be reimbursed; Don't exceed the reimbursement period. The hospitalization expenses directly settled by medical personnel in different places shall, in principle, implement the payment scope and relevant regulations stipulated by medical places. Policies such as minimum payment standard, payment ratio and maximum payment limit of medical insurance fund shall be implemented for the insured.

Medical insurance card is different from social security card. Medical insurance card, namely medical insurance card, is a card used by employees or residents who participate in medical insurance to see a doctor. Social security card is a social security card for residents, which integrates medical insurance, pension and unemployment. Social security card adds the function of bank debit card. Social security card actually has the functions of two cards, one is medical insurance settlement and the other is bank card. If citizens have money in their cards, when paying fees in hospitals, the conceited part can be directly deducted from the cards, the medical insurance report part can be deducted from the medical insurance fund, and the conceited part can be deducted from citizens' deposits by opening the bank card function.

Comprehensive medical insurance is a common outpatient disease, that is, swipe your card and use the money in your own account (comprehensive medical insurance has a personal account). If the money in the personal account of medical insurance runs out, you can only pay for it yourself. Unless the clinic is seriously ill, you can use social security to keep accounts and pay less or no money yourself. There are rules for these serious illnesses. At present, Shenzhen stipulates that 17 kinds of serious illness clinics can be seen by social security, and they must be seen in social security designated hospitals. So it is better to get sick less, and good health is the greatest wealth.

Besides hospitalization. Social security can be used for hospitalization. There are some differences in the reimbursement rates of several medical insurances, but the differences are not great. For hospitalization, part of the money is not spent on your personal account. As long as the hospitalization deductible is above and the maximum payment limit of the overall fund is below, the basic medical insurance serious illness overall fund will pay in full. The hospital keeps accounts first, and then the hospital settles accounts with the social security bureau.

legal ground

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

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-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, 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.

Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:

(a) shall be paid by the industrial injury insurance fund; (2) It shall be borne by a third party;

(3) borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.