How to use the employee medical insurance card clinic?

Employees' medical insurance card holders need to register with the medical insurance card or medical insurance electronic certificate when they go to the outpatient clinic, then get the prescription at the corresponding outpatient clinic, and then settle directly with the card at the hospital settlement window. Employees' medical insurance has a personal medical insurance account, which can be used to pay their own outpatient expenses. The expenses that meet the scope of medical insurance reimbursement shall be paid and reimbursed by the medical insurance pooling account according to the prescribed proportion.

The funds in the personal account of medical insurance can be directly used by the insured in the process of medical treatment. The funds in the employee's personal medical insurance account mainly come from the medical insurance expenses paid by individuals, while in the retired employee's personal medical insurance account, in addition to the medical insurance expenses paid before, there are also medical subsidies directly allocated monthly or annually according to local standards. For the funds in the personal medical insurance account, it doesn't matter if they are used up as long as they meet the local medical insurance management regulations. If there are illegal expenses, the medical insurance department shall order it to make up the funds and impose a fine of 2-5 times.

The specific usage of employee medical insurance card is as follows:

1. You can swipe your card at the general clinic.

2. Pay when purchasing medicine at the designated pharmacy.

You can swipe your card when you are in hospital.

4. Relevant information can be inquired.

To sum up, medical insurance, as an important social security system, provides a lot of convenience for our life.

Legal basis:

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

Article 28

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.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.