What if there is not enough money in the medical insurance card?

Spend money out of your own pocket. The money in the personal account of medical insurance can be used to buy medicine or see a doctor in the daily pharmacy. If the monthly expenses are always insufficient, you will have to pay for it yourself. If you participate in employee medical insurance, then a sum of money will be returned to the personal account of medical insurance every month. For retirees, the proportion of medical insurance refund will also be tilted, which will be higher than that of employees.

For example, in Hangzhou, employees under the age of 45 pay 2.5% of their own contribution base, and those over the age of 45 until retirement pay 2.8% of their own contribution base, and they are transferred from employee medical insurance premiums to personal medical insurance accounts on a monthly basis. Retirees, my basic pension last year was lower than the average salary of the whole province last year, and my basic pension last year was higher than the average salary of the whole province last year. Under the age of 70, it is calculated at 5.8% of the base, and over the age of 70, it is included in the medical insurance personal account at 6.8% of the base on a monthly basis. 、

1. Scope of use of medical insurance card: When insured employees buy medicines in designated hospitals and pharmacies, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money. Inquire about the balance of medical insurance card: Insured employees can inquire about the balance by telephone, or at the Bank Savings Office of China or the designated hospitals and pharmacies in the urban area. You can also log in to the social security inquiry system online. Medical insurance card transaction inquiry: Insured employees can print medical insurance card transaction records, including personal account payment records and consumption records, at China Bank Savings Office with their ID cards and medical insurance requirements. If you have any questions about the transaction records, you can go to the retail business department of Bank of China.

2. Medical insurance card password: The insured employees can change their passwords by phone or bring their ID cards to the Bank of China Savings Office. If the insured employee forgets his password, he can report the loss of the original password with his ID card to China Bank Savings Office and change it. Custody of medical insurance card: Insured employees should take good care of their medical insurance cards. If you accidentally lose it, please immediately issue a letter of proof to the unit and stamp it in the medical insurance office for confirmation. Then, they will take their ID cards to China Bank Savings Office to report the loss and go through the formalities. After 7 days, they can get a new card. Note: When the number of medical insurance card transactions reaches 60, the insured employees must go to China Bank Savings Office to print the transaction records, otherwise they will stop using the card. After the transaction record is printed, the card can continue to be used. In the pharmacy 100% will bear it by itself, and hospitalization can only enjoy the reimbursement ratio (which must be within the scope of medical insurance). If the hospitalization is within the scope of medical insurance, the scope of reimbursement is between 55% and 65% according to the actual amount of expenses incurred, such as 10000 yuan.