Can I use medical insurance without a social security card?

Social security card is an important tool to enjoy social insurance benefits including medical insurance. Usually, the cardholder needs to use the social security card to settle the medical insurance in the hospital, so that the funds in the medical insurance account can be directly used to pay medical expenses.

If you don't apply for a social security card, it may affect the convenience of normal use of medical insurance. However, if you have already participated in medical insurance, in theory, you are still the insured of medical insurance and should be able to enjoy the treatment of medical insurance. In practice, if you don't have a social security card, you may need to prove your medical insurance qualification by other means, such as using an ID card or inquiring through the medical insurance system. The specific operation may vary from region to region.

In some cases, if the hospital can verify your medical insurance eligibility through information such as ID number, you may still be able to use medical insurance benefits, but this may require you to pay medical expenses in advance, and then get the corresponding cost compensation from medical insurance through reimbursement.

It is suggested to apply for social security card as soon as possible in order to use medical insurance more conveniently and efficiently. At the same time, you can consult local social insurance agencies or medical institutions to understand the detailed procedures and regulations on how to use medical insurance without social security cards.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 28 of the Social Insurance Law of People's Republic of China (PRC).

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.