The medical insurance card is not deducted enough. Is the rest at your own expense?

The medical insurance card is not deducted enough, and the rest needs to be paid at their own expense, which does not affect the medical reimbursement. Even if there is no money in the medical insurance card, as long as the medical insurance is in a normal state, you can continue to enjoy medical reimbursement, but the self-funded part can only be paid in cash and cannot be paid in advance from the medical insurance card.

The amount deducted from the personal account is because it cannot be reimbursed and needs to be paid by the individual. The money in the medical insurance card belongs to personal consumption. If I like, it can be used to pay personal payments, and it will not be reimbursed. Here's the thing about medical insurance. When leaving the hospital, the part that can be reimbursed will be reimbursed, and the part that cannot be reimbursed will be reimbursed at their own expense.

Whether the outpatient service needs to pay after the balance of the medical insurance card is used up depends on the following conditions:

1 If the client needs to pay for medical treatment, he/she needs to pay for it in full;

If the parties do not need to pay the medical expenses immediately, they can wait until the medical insurance amount arrives next month;

Except for those expenses that are not covered by the basic medical insurance reimbursement, as long as the insured pays the social security fees normally, the Social Security Bureau will inject a sum of money into the medical insurance card every month in proportion to their contributions.

First, which situations are not covered by medical insurance reimbursement:

1, seeing a doctor in a non-designated hospital without approval;

2. Suffering from occupational diseases, work-related injuries or recurrence of old injuries = traffic accident injuries;

3. Injury caused by my illegal behavior;

4. Food poisoning caused by accidents;

5. Being treated for suicide;

6. Injuries caused by medical accidents;

7, according to the provisions of the state and the city should take care of medical expenses.

To sum up, the medical insurance card is not deducted enough, and the rest needs to be paid at their own expense, which does not affect medical reimbursement. Even if there is no money in the medical insurance card, as long as the medical insurance is in a normal state, you can continue to enjoy medical reimbursement, but the self-funded part can only be paid in cash and cannot be paid in advance from the medical insurance card.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

What kinds of situations are not covered by medical insurance reimbursement?

1 Going to a non-designated hospital without approval;

2. Suffering from occupational diseases, work-related injuries or recurrence of old injuries = traffic accident injuries;

3. The injury is caused by my violation of the law;

(four) food poisoning caused by the accident;

5. Being treated for suicide;

6. Injuries caused by medical accidents;

According to the national and municipal regulations, medical expenses should be taken care of by themselves.