How to activate the new medical insurance card for newborns?

There are several ways to activate the newborn medical insurance card:

1. Open library is activated. There are special banks for social security cards, and there are also social security cards for newborns. Parents of children can bring their ID cards, children's household registration books and social security cards to the bank for activation. In addition, it is necessary to change the initial password of the social security card (the initial password is generally 123456).

2. Mobile phone activation. Call the social security service hotline 12333, follow the voice prompts, or press "0" to directly switch to the manual service, and ask the service personnel to help you activate the medical insurance card. You just need to provide your child's ID number. It should be noted that mobile phone activation is not supported in some areas to ensure account security, so mobile phone activation depends on local policies.

3. The designated hospital is activated. When a child uses a medical insurance card to seek medical treatment and reimburse medical expenses in a designated hospital, he can also activate the medical insurance card, but only the medical insurance function of the card can be activated, but the financial function of the medical insurance card cannot be activated.

4. The designated pharmacy is activated. Social security cards can be activated when they are consumed in designated pharmacies.

I. Definition

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

Second, classification

Medical insurance, like other types of insurance, collects medical insurance premiums from people threatened by diseases in advance in the form of contracts and establishes medical insurance funds; When the insured goes to a medical institution for medical treatment, the medical insurance institution will give him some economic compensation. Therefore, medical insurance also has two functions of insurance: risk transfer and compensation transfer. That is, the economic losses caused by individual disease risks are distributed to all members threatened by the same risks, and the economic losses caused by diseases are compensated by centralized medical insurance funds.

(1) Commercial medical insurance

It can be divided into reimbursement medical insurance and compensation medical insurance.

Reimbursement medical insurance means that the medical expenses spent by patients in hospitals are reimbursed by insurance companies, which are generally divided into outpatient medical insurance and inpatient medical insurance.

Compensatory medical insurance refers to the fact that the patient is definitely diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the patient's treatment and nursing expenses according to the amount agreed in the contract. Generally divided into single disease insurance and critical illness insurance.

There are similarities and differences between the above two kinds of medical insurance. The same thing is that you can only get insurance benefits if you are sick. The main difference is that general medical insurance belongs to all types, that is, all kinds of diseases can get insurance benefits. Special medical insurance is a special category, that is, diseases or operations clearly listed in the insurance contract can get insurance compensation. Medical insurance introduced by insurance companies often combines some of the above two types of insurance.

(2) Allowance payment type

In short, subsidized medical insurance is medical insurance in which the insurance company pays the insurance premium to the insured by time, by day or by project according to the subsidy standard stipulated in the contract. Claims have nothing to do with actual medical expenses, and invoices are not needed.

It is suggested that the reimbursement of medical expenses should be considered first when purchasing medical insurance, and then the compensation for losses caused by hospitalization can be considered. Only by consolidating the basic guarantee and supplementing it on this basis can we add icing on the cake. People with adequate social insurance can give priority to subsidizing medical insurance when choosing medical insurance.

Insurance principle In insurance, there is a question whether the compensation principle is applicable to health insurance. This problem cannot be generalized. The principle of compensation means that "the compensation obtained by the insured cannot be higher than its actual loss". Subsidized medical insurance is not applicable, and the payment of insurance benefits has nothing to do with actual losses. In fact, its design principle is to consider the wage loss caused by sick leave during the hospitalization of the insured, so it is agreed in the contract that the subsidy fee will be paid according to the number of days of hospitalization. Regardless of the actual hospitalization expenses, it has nothing to do with the actual economic losses. It is a kind of "fixed value insurance".

(3) Type of expenses

Expense-based medical insurance is to pay insurance money according to the actual medical expenses incurred by customers and the insurance amount agreed in the policy. The purpose is to compensate customers for medical expenses. When making claims, customers need to issue invoices for outpatient or hospitalization, and the scope of claims is basically the same as that of "social security".

In addition, social medical insurance also has strict restrictions. New drugs, imported drugs and expensive drugs are not covered by social medical insurance reimbursement. Medical expenses caused by traffic accidents shall not be reimbursed by social medical insurance. In addition, the expenses that often occur during illness, such as nutrition expenses, nursing expenses, lost time expenses, etc. , not included in the scope of reimbursement.

Therefore, when people with medical insurance apply for hospitalization medical insurance, they can consider the complementarity of purchase expenses and subsidies, and choosing expense-based hospitalization medical insurance is also a useful supplement.

Third, the role

(a) is conducive to improving labor productivity and promoting the development of production.

Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves the worries of workers, makes them work with peace of mind, can improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor.

(2) Adjust income differences and reflect social equity.

Medical insurance is an important means for the government to adjust the income difference and redistribute income by collecting medical insurance premiums and paying medical insurance service fees.

(3) An important guarantee for maintaining social stability.

Medical insurance helps sick workers economically, helps to eliminate social instability caused by diseases, and is an important social mechanism to adjust social relations and social contradictions.

(4) an important means to promote social civilization and progress.

The social system of medical insurance and social mutual assistance reflects the new social relationship of "one party in trouble and all parties support" by sharing the risk of disease costs among the insured, which is conducive to promoting social civilization and progress.

(5) An important guarantee for promoting economic system reform, especially the reform of state-owned enterprises.

legal ground

Article 7 of People's Republic of China (PRC) Social Insurance Law

The administrative department of social insurance in the State Council is responsible for the national social insurance management, and other relevant departments in the State Council are responsible for the relevant social insurance work within their respective functions and duties.

The social insurance administrative department of the local people's government at or above the county level shall be responsible for the social insurance management within its administrative area, and other relevant departments of the local people's government at or above the county level shall be responsible for the relevant social insurance work within their respective functions and duties.