Hospitalization can use the money in the medical insurance card. Generally speaking, hospitalization medical expenses can be reimbursed with the money in the medical insurance card pooling account. In addition, the money in the personal account of the medical insurance card can also be used to pay for out-of-pocket expenses.

However, after the money in the personal account of the medical insurance card is used up, it cannot be used again. It can only be used after the medical insurance agency transfers the account in the second month. The money in the medical insurance card overall account also has an annual reimbursement limit.

, and there is also a limit on the deductible. After the reimbursement limit is used up, it will have to wait until the second year before it can continue to be used to reimburse related medical expenses.

If you need to be hospitalized, all expenses will not be deducted from the medical insurance card. Instead, the medical insurance card can be used for reimbursement procedures after the family members complete the discharge procedures.

The formalities generally take about 5 days.

The application of medical insurance cards is generally handled by local designated banks. It is a medical exclusive card.

Therefore, after you apply for a medical insurance card and pay the premium, the local medical insurance department will regularly entrust part of the amount in your personal account to the bank, and then issue it to your personal medical insurance card.

Although the medical insurance card is handled by the bank, it cannot be used like an ordinary bank card. Its scope of use is that people with a medical insurance card can use the card to swipe the card when purchasing medicine at designated hospitals or pharmacies.

Swipe your card to use, no need to pay cash.

But it also cannot withdraw cash from it or make transfers for use.

Although the limitations of its use are very small, its advantage is that if you go to a designated hospital for medical treatment when you are sick, as long as you have a medical insurance card, you do not need to pay first and then reimburse this troublesome process. You can directly verify your identity and register, and the rest can be done

It is to let the medical insurance and the hospital settle the reimbursement, and then only use the medical insurance card or pay in cash for the self-pay part when you are discharged from the hospital.

Legal basis: Article 28 of the "Social Insurance Law of the People's Republic of China" meets the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses, and shall be deducted from the basic medical insurance fund in accordance with national regulations.

Pay.