Won't the money in the social security card be reimbursed when it is used up?

Social security card money can be reimbursed when it is used up. After the money in the personal account of medical insurance card is used up, it must be borne by the individual. After the accumulated amount of personal conceit exceeds the specified amount, the excess medical expenses shall be borne by individuals in different proportions according to the hospital category, and the rest shall be paid by the overall fund.

Urban insured persons should take the initiative to show the "Medical Insurance Calendar" and use the medical insurance card to settle accounts when they go to the designated hospitals for outpatient treatment and hospitalization in urban medical insurance or special diseases.

The medical expenses incurred by the insured for medical treatment are paid by individuals in cash, and the medical insurance fund is paid by the designated hospital according to the regulations and settled with the municipal medical insurance center.

The money in the medical insurance card is used up, which generally means that the money in the personal account (part of the premiums paid by the company and part of the premiums paid by employees, and the money deposited in the medical insurance card every month) is used up, which is mainly used to pay for out-of-pocket expenses, such as general outpatient service and medicine purchase. When reimbursing medical expenses such as hospitalization expenses and special outpatient service, the medical insurance card shall be used as a unified account. Therefore, even if the money in the personal account is used up, it will only affect participation.

There are two accounts in the medical insurance card, one is a personal account and the other is a co-ordination account. Personal account is responsible for daily drug purchase and outpatient self-funded part. Usually, there is no money in the medical insurance card, which means that there is no money in the personal account; The overall account is the part responsible for medical reimbursement. As long as it meets the reimbursement criteria, it can be paid by the overall account, and the money in the overall account will not be used up. It belongs to social funds and will not be used up with financial subsidies. In principle, the upper limit of reimbursement is controlled at about 4 times of the average salary of local employees.

Social medical insurance card, referred to as medical insurance card or medical insurance card, is a special card for personal account of medical insurance. With the personal identity card as the identification code, the detailed information such as personal identity card number, name, gender, account capital expenditure and consumption are stored and recorded. The medical insurance card is undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

How to use:

1. Scope of use of medical insurance card: When insured employees buy medicines in designated hospitals and pharmacies, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money.

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

3. Inquiry of medical insurance card transaction: 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.

4. Medical insurance card password: The insured employees can change their passwords by phone or bring their ID cards to the Bank of China Savings Office. If the insured employee forgets his password, he can report the loss of the original password with his ID card to China Bank Savings Office and change it.

5. Custody of medical insurance card: Insured employees should keep the medical insurance card properly. If they accidentally lose it, please immediately issue a letter of proof to the unit and stamp it in the medical insurance office for confirmation. Then, they will take their ID cards to China Bank Savings Office to report the loss and go through the formalities. After 7 days, they can get a new card.

6. Precautions: When the number of medical insurance card transactions reaches 60, the insured employees must go to China Bank Savings Office to print the transaction records, otherwise they will stop using the card. After the transaction record is printed, the card can continue to be used. .

legal ground

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

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, 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.