How to reimburse without using the medical insurance card?

Social medical insurance reimbursement is after discharge or transfer.

Settlement procedures for inpatient and outpatient treatment of special diseases:

Designated medical institutions should report the expense list, hospitalization list and related materials of patients discharged from hospital last month to the medical insurance agency before 10 every month, which will be used as the basis for monthly pre-allocation and year-end final accounts after examination;

The medical insurance agency pre-allocated the hospitalization and outpatient co-ordination expenses for special diseases last month;

Insured persons who have been identified as suffering from special diseases shall go to the designated medical institutions designated by the labor and social security departments for medical treatment and medicine purchase, and the medical expenses incurred shall be directly recorded and settled immediately.

Emergency settlement procedure: the medical expenses incurred by the insured in emergency rescue to non-designated medical institutions in the city and medical institutions in different places shall be paid in advance by individuals or units. After the emergency rescue, the medical insurance agency shall go through the reimbursement procedures according to the provisions with the hospital emergency medical records, inspections, laboratory tests, invoices and detailed list of medical expenses.

Follow-up reimbursement without medical insurance card is as follows:

1. You can reimburse without showing your medical insurance card before you leave the hospital. The medical insurance card must be presented when paying fees or leaving the hospital for settlement, and the hospital will deduct it;

2. When reimbursing, if you want to use the personal account of the medical insurance card to pay the hospitalization expenses, inform the hospital settlement personnel before the discharge settlement, and handle it according to the normal credit card procedures;

3. Personal burden in medical insurance can be paid in full (if the balance is enough) or partially by medical insurance card. The so-called personal burden part refers to the part below the deductible point (for example, 2000 yuan for a tertiary hospital) and the part of the reimbursement ratio (for example, 20% for a tertiary hospital). Self-funded items cannot be paid by personal account of medical insurance card.

The use of medical insurance card is as follows:

1. Scope of use of medical insurance card. When the insured workers go to the designated hospitals and pharmacies for medical treatment, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money.

2. Check the balance of the medical insurance card. Insured employees can inquire about the balance by telephone, or at China Bank Savings Office or designated hospitals and pharmacies in urban areas. You can also log in to the social security inquiry system online.

3. Medical insurance card transaction inquiry. Insured employees can print medical insurance card transaction records, including personal account payment records and consumption records, at China Bank Savings Office with their ID cards and medical insurance requirements. If you have any questions about the transaction records, you can go to the retail business department of Bank of China.

To sum up, the medical insurance card is generally paid in advance by yourself and reimbursed after getting the medical bill. There are two ways of reimbursement: first take the bill and then reimburse it, or the hospital can directly settle with social security.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 28 of the Social Insurance Law of People's Republic of China (PRC).

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.