I just bought medical insurance. Can I use it immediately?

Medical insurance cards can be used after they are generally activated. If the medical expenses incurred by the parties meet the basic medical insurance drug list, diagnosis and treatment items and other standards, they can directly carry medical insurance cards, ID cards and other items to designated medical institutions and pharmacies for settlement. Generally, the social security card can be used after activation, and the medical insurance account in social security needs to be insured for 3 months in a row, that is, it can only be used after the fourth month. Social security is a big concept, including medical insurance, so the social security card itself contains the functions of medical insurance card.

The medical insurance card can be used immediately after it is completed, but it cannot be reimbursed for hospitalization. You can only be reimbursed for hospitalization after 6 months of continuous payment.

The use of new medical insurance card:

1. When a person with a medical insurance card sees a doctor in a designated hospital, he can use the medical insurance card to swipe his card directly on the POS machine, and pay the medical treatment fee and medicine fee without hospitalization.

2. If a medical insurance patient is hospitalized in a designated medical insurance hospital, he can issue a medical insurance card, and the medical insurance unified settlement system will read the information of the insured person and handle the hospitalization number. At the time of discharge settlement, the medical insurance system will not accept the part that you should reimburse (that is, part of it has been reimbursed).

3. In general medical insurance designated pharmacies, you can use the medical insurance card to pay directly. But make sure there is enough money in the medical insurance card, and if it is not enough, you should make up it yourself.

4. The medical insurance card is used in the designated medical insurance hospitals registered in real-name registration system. Only I can use it, and no one else can borrow it. Similarly, you can't use someone else's medical insurance card.

The new medical insurance card can only be used when the funds are available. Therefore, before using the medical insurance card, check the balance in the card first. The minimum medical insurance card is about one month in 40 yuan. The higher the medical insurance premium, the more money there is in the card.

How to use the resident medical insurance card?

1, general outpatient card. Insured people can use the password on the POS card to buy medicines in designated hospitals and pharmacies, but they cannot withdraw cash or transfer money. Urban residents' medical insurance cards can usually buy medicines at designated pharmacies. Can I use medical cards to pay for some medicines at pharmacies?

2, hospitalization credit card, designated medical institutions must show their medical insurance card and my ID card (household registration book) when they enter the hospital, and be reimbursed on the spot according to the policy proportion when they leave the hospital.

It should be reminded that people who participate in medical insurance should go to local designated medical insurance hospitals, and not all hospitals can use urban residents' medical insurance cards.

If the medical insurance card is lost, you need to report the loss to the urban residents' medical insurance card issuing agency, and apply for a replacement card with your ID card, photos and other related materials.

How long will it take after the medical insurance card is completed? After handling the medical insurance card, you can use it. At present, there are more and more functions of medical insurance cards, and consumers can use medical insurance cards to meet various functions of life.

To sum up, the medical insurance card can be used after activation. If the medical expenses incurred by the parties meet the basic medical insurance drug list, diagnosis and treatment items and other standards, they can directly carry medical insurance cards, ID cards and other items to designated medical institutions and pharmacies for settlement.

Legal basis:

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

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.