Can I swipe the money in my medical insurance card when I have a baby?

You can swipe the money in the medical insurance card when you give birth, but you need to go to the designated hospital for delivery.

If you need to bring your medical insurance card and ID card to the community hospital where your household registration is located, the reimbursement rate through the designated hospital will be higher if you get sick.

Maternity medical insurance reimbursement process is as follows:

1, declared for acceptance. The medical insurance for the birth of children is paid by the employer for the employees, and individuals do not need to pay any insurance premiums. When applying for reimbursement of medical insurance for childbearing children, the employer or labor security service personnel should also declare on their behalf;

2. Qualification examination. After receiving the application and acceptance materials submitted by the employer or the labor and social security staff, the fertility department of the local social insurance center shall review the qualifications and materials at the front desk as soon as possible. If approved, issue an acceptance receipt and a medical certificate; If it fails, an unacceptable receipt shall be issued;

3. Treatment verification and settlement. If the receipt is received, the employer or the staff of the local labor and social security department will bring the relevant reimbursement materials to the medical insurance window of the local social insurance center for maternity insurance reimbursement within one month after the start of maternity leave for female employees;

4. Treatment distribution. After the staff of the maternity insurance window of the local social insurance center reviews the reimbursement materials, they will calculate the medical insurance benefits to be paid to the employees. If there is no objection, the social security center will transfer the maternity medical expenses and maternity allowance to the insured female employee account. After receiving the notice from the social insurance center, the insured female workers can inquire about the medical insurance benefits of giving birth to children.

To sum up, the relevant staff of the social insurance center will re-examine the application materials and calculate the final reimbursement data.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.