Legal analysis: Medical insurance reimbursement is a social welfare. Since the improvement of the medical insurance system in recent years, the proportion of medical insurance reimbursement has become higher and higher, which has alleviated a lot of pressure on people's medical treatment.

However, medical insurance reimbursement requires a process. Although many hospitals can now make settlements upon discharge, they do not settle cash directly. Instead, they transfer the reimbursed expenses directly to bank cards. Banks that are now cooperating with medical insurance There are many, and cooperative banks in different regions are different, but the most common one is the cooperation of the four major banks. The four major banks are the most commonly used banks in my country, and they are all controlled by the state, making them relatively more convenient to use. .

Legal basis: "Social Insurance Law of the People's Republic of China" Article 30 The following medical expenses are not included in the payment scope of the basic medical insurance fund: (1) those that should be paid from the work-related injury insurance fund; (2) those that should be paid by a third party

(3) Should be borne by the public health department; (4) Seek medical treatment abroad.

Medical expenses shall be borne by a third party in accordance with the law. If the third party fails to pay or the third party cannot be identified, the basic medical insurance fund shall pay first.

After the basic medical insurance fund has paid in advance, it has the right to recover compensation from the third party.