The difference between children's medical insurance card and social security card

The difference between children's medical insurance card and social security card;

Social security card is a multi-functional "identity card" for registered permanent residence in its city. As long as it is an account in the city where it is located, it can be handled, but the social security card has no medical insurance function.

The medical insurance card (with the words "medical insurance only" printed on the card surface) is used by people who have participated in medical insurance but have not received a social security card. Just remember that it only has the function of medical insurance settlement, and there is no other function. At the same time, social security card can have the function of medical insurance card. For example, if a child has not received a social security card after receiving medical insurance, he will issue a special medical insurance card for medical settlement. For medical insurance, there is no need to get a social security card. This is the first point.

If the child has already applied for a social security card before doing medical insurance, then the function of the social security card will have a medical insurance card, and the medical insurance department will no longer issue medical insurance cards. On the other hand, if a child applies for medical insurance and gets a medical insurance card, then he will apply for a social security card. At this time, the functions of the two cards are exactly the same. Only after the social security card is used will the medical insurance card become invalid (this is because the social security card will gradually replace the medical insurance card in the future). Then, some parents think that as long as they are registered in the city where they live, they can apply for social security cards and do not need to participate in medical insurance. This understanding is wrong. If the child only applies for a social security card and does not participate in medical insurance, the social security card is just a card and has no function.

Reimbursement methods of children's medical insurance:

Students and children who are hospitalized or treated for special diseases shall be paid in advance by individuals when seeking medical treatment, and the medical expenses incurred shall be accounted for by designated medical institutions. At the time of settlement, the part paid by the serious illness medical insurance fund shall be settled by designated medical institutions and social insurance agencies, and the rest of the medical expenses shall be settled by individuals and designated medical institutions.

Reimbursement guarantee of children's medical insurance;

There are two kinds of children's medical insurance that we usually contact: children's social insurance and commercial children's health insurance.

Children's social security can provide children with the most basic medical security. Although the proportion of compensation and the maximum compensation are not as good as commercial insurance. But it also has two advantages.

First, you can make claims for outpatient medical expenses.

Outpatient expenses often occur, but commercial insurance generally does not bear the insurance responsibility of disease outpatient service (except in some cases, such as children's health insurance of * * health insurance company providing reimbursement for special disease outpatient service expenses).

Second, it can provide protection for congenital diseases and past diseases.

Some children may be born with some diseases. In order to control risks, commercial insurance does not provide guarantee services for this part of treatment costs. The price of social medical insurance for children is also relatively low. Parents are advised to insure their children first, and then supplement and improve them with commercial insurance.

Children's commercial medical insurance includes three aspects: children's serious illness, children's hospitalization allowance and children's hospitalization expenses reimbursement. At present, serious diseases are showing a trend of younger age, and reports of serious diseases in children are common. Many families are burdened by heavy medical expenses. Different from the post-event reimbursement of social security contributions, critical illness insurance can provide funds for follow-up treatment for children at the first time of diagnosis, with stronger protection and avoiding the dilemma of no money for treatment. The general rate of critical illness insurance insured separately is higher than that of critical illness insurance with the same amount as additional insurance. Parents can take out children's critical illness insurance in addition to the education fund insurance to provide protection for their children and save premiums.

In order to better compensate social security for children's medical care, parents can choose children's medical insurance products beyond social security (the scope of protection covers medical items outside the social security payment catalogue). To sum up, parents should pay attention to all kinds of insurance when insuring their children, and the benefits of combined insurance are greater.