How to check the medical insurance inquiry in Tianjin?

If citizens have purchased their own medical insurance and paid it on time, they can inquire about their medical insurance payment, which is nothing more than online inquiry, telephone inquiry and inquiry in the service hall of the Social Security Bureau. First, how to inquire about the details of individual medical insurance payment generally has three inquiry methods: online inquiry, telephone inquiry and social security bureau service hall inquiry. Details are as follows: 1. Telephone enquiry The insured can call the national unified public service telephone number "12333" for consultation, but the number of people who call is usually large, and it may not be connected soon, so the insured needs to wait patiently. 2. Inquire in the service hall of the Social Security Bureau. Insured persons can bring their valid identity documents and social security cards to the local social security center or labor and social security department for consultation. Under normal circumstances, the insured person only needs to go to the county-level social security department to inquire about the details of social security payment. 3. online inquiry online inquiry is a more suitable inquiry method for young people, and it is also more convenient and concise. The specific steps are as follows: (1) Open a webpage on the Internet, then enter "Labor Security Network" in the search bar and click Search. (2) It will automatically determine the urban labor security network where the insured person is located according to the location of the computer. Generally, the first pop-up is the urban labor security network where the insured person is located. Click to enter. (3) Click to enter the local labor security network and find "information inquiry". Although the setting of labor network modules varies from place to place, the general "information inquiry" is in the module with the word "information". (4) Click "Information Query" to enter the query interface. There must be more than one thing to inquire about here, but the most important thing is social security inquiry. (5) Enter my ID card and inquiry password in the "Social Security Personal Account Inquiry" interface. The query password has been issued uniformly from the beginning, and it is also at the bottom of the website. After entering, click Query. Two. Types of medical insurance 1. Social medical insurance Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. Employers and individuals pay insurance premiums according to a certain proportion and establish social medical insurance funds to pay medical expenses for employees. Individuals only need to pay the money to the relevant departments of their units or enterprises every month, or they can pay it at the local social security bureau. 2. Commercial medical insurance Commercial medical insurance refers to profitable medical insurance operated by insurance companies. Consumers pay a certain amount of insurance money, and they can get a certain amount of medical expenses from insurance companies when they encounter major diseases. Social medical insurance has the characteristics of "low level and wide coverage", and the degree of protection is far from enough, so it needs commercial medical insurance as a supplement. By paying social medical insurance and supplementing commercial medical insurance, we can effectively build a personal medical security system and prevent risks. 3. Personal medical insurance Personal medical insurance is a supplement to social insurance. Because social insurance has a minimum payment, there is no reimbursement at its own expense, and there are exclusions, it is very necessary to buy personal medical insurance, which can provide full and comprehensive protection. Third, personal medical insurance purchase precautions First, pay attention to the age limit. Different insurance companies have different regulations on the minimum insurance age. According to different types of insurance, the minimum insurance age generally ranges from 90 days after birth to 16 years old. However, the maximum insurance age stipulated by various insurance companies is roughly the same, which is 65 years old. If your age is not within this range, generally speaking, you are not suitable for insurance. The younger you are, the less the premium will be. It is recommended to take out insurance as early as possible. Second, pay attention to the obligation to tell the truth. When concluding an insurance contract, you should truthfully state your physical condition and past medical history to the insurer, so that the insurer can judge whether to accept insurance or under what conditions. Some inpatient medical insurance clauses clearly include some serious diseases (such as congenital diseases, leukemia, etc. ) is within the coverage. So don't conceal the medical history, otherwise the insurance contract will be invalid, and even if there is an insurance accident within the scope of responsibility, the insurance company will not fulfill its obligation to pay compensation. Third, pay attention to the scope of insurance. When buying insurance, it is important to know the scope of insurance. Only when an insurance accident occurs within the scope of responsibility will the insurance company fulfill its obligation to pay compensation. For example, the best-selling critical illness insurance in the market is generally the first disease diagnosed after insurance. Such as cancer, stroke and myocardial infarction. Diseases such as asthma and tuberculosis are not covered. Fourth, pay attention to the wait-and-see period of hospitalization medical insurance. The so-called wait-and-see period, that is, after the insurance contract takes effect for a period of time, the insurer is liable for the medical expenses incurred by the insured due to illness. In addition to the hospitalization expenses caused by accidents, for general hospitalization insurance, insurance companies have a wait-and-see period when underwriting. Depending on the type of insurance, the wait-and-see period is 90 days from the effective date of the contract and 180 days. The insurance company will not bear the medical expenses incurred during the wait-and-see period. Fifth, pay attention to the deductible clause. For some low medical expenses, insurance companies generally adopt the deductible clause. On the one hand, the insured can bear lower medical expenses economically, and at the same time, it can save a lot of manpower invested by the insurer for claims settlement; On the other hand, it can urge the insured to strengthen the self-control of medical expenses and avoid unnecessary waste. So when you buy medical insurance, you must pay attention to the deductible. If your medical expenses are lower than the deductible, you can't get a claim. According to the law, there are generally three ways to inquire about the payment details of individual medical insurance personal accounts: online inquiry, telephone inquiry, and social security bureau service hall inquiry.

Legal objectivity:

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

second

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

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

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.