How to reimbursement without unit medical insurance

The reimbursement of medical insurance without a unit is as follows:

1. Patients can go to the social security service center with their ID cards to apply for a temporary card for reimbursement of hospitalization;

2. Individuals who have not received a medical insurance card can apply for reimbursement of medical expenses at the medical insurance center;

3. Patients can pay for their own medical expenses, and then bring their hospital invoices, master lists, proof of medical prescriptions, and medical records to the medical insurance center for manual reimbursement of their expenses. The patient can first pay for the medical expenses at his own expense, and then bring the hospital invoice, master list, medical certificate, medical advice, medical records and other materials to the medical insurance center for manual reimbursement;

4. When reimbursing the medical expenses, the patient should bring along the original ID card or social security card, the original certificate of diagnosis of disease, the original outpatient medical record, the original examination report, the original outpatient fee receipt, the original list of expenses or the original prescription, and the original invoice and list of the designated pharmacy;

5. In case of reimbursement, the amount in the personal account will be deducted first and then the reimbursable amount will be approved.

The reimbursement process of medical insurance:

1. When patients visit hospitals, they should first confirm whether the hospital is a designated medical institution;

2. In the process of visiting hospitals, patients are required to use their personal medical insurance cards to settle payment;

3. For the expenses within the scope of the medical insurance, the hospitals will deduct the corresponding expenses from the medical insurance accounts directly;

4. For expenses not covered by the medical insurance or expenses beyond the scope of the medical insurance, the hospitals will deduct the corresponding expenses from the medical insurance accounts directly;

4. For expenses incurred at designated medical institutions or expenses beyond the scope of reimbursement by the medical insurance, patients have to pay for them by themselves;

5. Patients can go to the Social Security Bureau or designated places to make reimbursement with the relevant bills and certificates;

6. Reimbursement rates and amounts are based on the local medical insurance policies and the type of the patient's medical insurance.

In summary, individuals without unit health insurance can apply for temporary cards, apply for reimbursement, manual reimbursement and other means of reimbursement of medical expenses, need to provide the appropriate proof of identity, medical records, receipts and other original materials, and in the reimbursement process, the amount of money in the personal account will be prioritized deductions approved reimbursement amounts should be reimbursed.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 23

Employees shall participate in the basic medical insurance for employees, and shall pay the basic medical insurance premiums by the employer and the employees in accordance with the state regulations***. Individual industrial and commercial households without employees, part-time workers who do not participate in the basic medical insurance for employees in their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.

Article 25

The State establishes and improves the basic medical insurance system for urban residents. Basic medical insurance for urban residents shall be a combination of individual contributions and government subsidies.