Shenzhen personal social security only participates in medical insurance.

If you use the social security card of comprehensive medical insurance to see the outpatient service, you must first deduct money from your personal account. If you are hospitalized, you will ask the funds and individuals to bear it in proportion when you leave the hospital, without reimbursement.

Shenzhen social security card includes medical insurance, of course, the premise is that the unit has participated in medical insurance for you, and the medical insurance card is what we usually call a social security card. Because everyone participates in different forms of medical insurance, it is different to use social security to see a doctor. Non-deep households mostly participate in migrant workers' medical insurance or hospitalization insurance. Deep households are required to participate in comprehensive medical insurance, and some non-deep households participate in comprehensive medical insurance.

Medical insurance for migrant workers (also known as cooperative medical care and labor medical care), you can swipe your card to see common diseases in the bound social health center, and you can't swipe your card if some expenses are not covered by social security, so you have to pay for it yourself.

Hospitalization insurance, you can also swipe your card at the bound social health center to see the clinic. The use method is the same as above. Migrant workers' medical insurance or hospitalization insurance, social security cards do not deduct outpatient credit cards (no personal accounts), and use outpatient pooling funds.

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.

Frequently asked questions of netizens:

1, if it is a deep household, the outpatient fee can be deducted from the social security card, but some drugs cannot be deducted from the social security card and must be paid in cash; Not a magic fox, but if the company buys you comprehensive medical care or something. Medical expenses can be deducted from the social security card. If it is not a deep account, and the company only bought hospitalization insurance. Of course you can't use it when you see the clinic. You can only use it when you are in hospital.

2, comprehensive, good for individuals, but expensive, the state has no mandatory requirements for this, so the general company is not willing to provide this.

Even for deep households, if the drugs involved in outpatient or hospitalization are non-social security drugs, they should pay for them themselves. I want to know the detailed differences between several medical insurances.

3, the outpatient service should be ok, that is, I tried it in Peking University Hospital. There is no money on the card. Tell the doctor that you can use my social security card to open my name. My mother-in-law also pulled out her teeth with my card. For doctors, as long as they can collect money, they don't care how you pay. But you've never been in hospital. You can ask the doctor who treated your father.

4. See what health insurance you have. You can also see the outpatient credit card of hospitalization insurance, but instead of deducting money from the social security card, you use the outpatient co-ordination fund. If you can't get the fund, you must use cash.

If it is comprehensive medical insurance, there is a medical personal account in the social security card. If you use social security to see a doctor, you will deduct the money in the social security card, that is, the money in the medical personal account.

All of the above are for general outpatient service. If you are hospitalized, you won't deduct the money from the social security card. As long as the hospitalization deductible is above the maximum payment limit of the overall fund, the basic medical insurance serious illness overall fund will pay in full.

5. If you participate in comprehensive medical insurance, you can check the medical insurance balance online, and one of the results of personal social security query is the medical insurance balance. I can't find the details of medical expenses online. You can check the details of medical insurance expenses in the Social Security Bureau window.

6. If the accumulated amount of personal account reaches 1 month, it is the average monthly salary of employees in the previous year (currently 3,233 yuan), and the excess is used to pay the outpatient medical expenses of all family members. The plan has been reported to the Shenzhen Municipal Government and is expected to be promulgated and implemented in the near future. All family members include parents, spouses, children, etc. And regardless of whether the family members are registered in Shenzhen or not, whether they have participated in medical insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.