Can I swipe my social security card for medical insurance?

Medical insurance can brush social security card.

Social security card can be used as medical insurance card, which is mainly used in the field of basic medical insurance at present. Generally speaking, compared with the traditional medical insurance card, the biggest advantage of social security card is that it can be settled in real time.

Take Beijing as an example. In the past, the insured had to pay in advance, and the reimbursement process took at least two or three months. If you are hospitalized, you should pay in advance, and then go to the relevant departments to apply for reimbursement.

With the social security card, the insured person does not need to take a lot of cash to the hospital, because the social security card has achieved "zero advance". After holding a card for medical treatment, patients only bear the medical expenses paid by individuals and at their own expense, and the expenses that should be reimbursed are directly settled by medical institutions and medical insurance departments. The reimbursement problem that used to take several months to solve may now be easily solved in just a few tens of seconds.

At the same time, because the social security card has the function of information recording and information inquiry, it can store the data of patients' previous medical treatment, and the social security card has become an "electronic medical record" that is continuously recorded, which is beneficial for doctors to better understand the medical history and conduct diagnosis and treatment.

It is understood that the functions of social security cards are mainly reflected in the following three aspects.

Basic functions: With the social security card, you can not only see a doctor in a designated hospital and buy medicine in a designated pharmacy, but also inquire about personal basic information, social insurance payment, pension and medical treatment enjoyment through the self-service terminal.

Financial function: the social security card has the function of UnionPay, which can be used as a bank card, and can be used to deposit and withdraw money and shop by swiping the card; Pay various social insurance fees through banks, etc. ; Receive pension, unemployment insurance, work injury insurance and other benefits.

Extended functions: The social security card in our province is a large-capacity chip card, which has reserved room for expansion, and can be equipped with social public affairs applications to gradually realize the functions of public transportation, water and electricity payment and various benefits and subsidies. But at present, the extended function has not been realized.

Related knowledge: the misunderstanding of enterprise social security management in China at present

First, the enterprise employs normally but fails to pay social security.

Second, the payment base is not compliant.

Third, the accuracy of social security payment is low.

Judging from the insurance situation, at present 1/3 unit still has the problem of not paying the insurance premium in time or even missing it; From the compliance ratio, only 3 1% of the enterprises we investigated paid their fees in compliance, and nearly 1/3 paid their fees according to the minimum base. From the perspective of accuracy, the accounting of social security payment is complicated, and 1/3 enterprises have the problem of wrong accounts or unclear accounts.

Many workers have encountered such a problem: the monthly salary is five or six thousand yuan. According to the regulations, enterprises should pay social security according to their actual wages, but in order to save labor costs, enterprises only pay according to the "bottom line" of the payment standard, that is, 60% of social wages. In this way, although the monthly social security premium is less, according to the principle of "pay more and get more", the pension benefits of employees after retirement are correspondingly poor.

Article 63 of the Social Insurance Law stipulates that "if the employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit".

Legal basis:

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

Chapter III Basic Medical Insurance

Thirty-second individuals across the overall regional employment, the basic medical insurance relationship with my transfer, the cumulative payment period.