Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth.

The process of applying for medical insurance reimbursement is as follows:

1. After the patient is admitted to the hospital, the medical insurance patient can go through the social security registration formalities in the hospital with his ID card, medical insurance card and other documents;

2. When the patient is discharged from the hospital to settle the medical expenses, it is necessary to wait until the admission fee office handles the discharge settlement formalities with the admission registration form and ID card, and there is no need to submit an expense account to the social security center; After being audited by the relevant departments, the applicant can receive the "Social Medical Insurance Medical Expense Reimbursement Form" for reimbursement;

3. For reimbursement of medical expenses, if the medical expenses incurred by the insured in the agreed medical institutions meet the basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards, they can only be paid from the basic medical insurance fund in accordance with state regulations.

In summary, the medical expenses shall be borne by the third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.

Legal basis:

Article 54 of the Social Insurance Law of People's Republic of China (PRC)

The employer has paid maternity insurance, and its employees enjoy maternity insurance benefits; Unemployed spouses of employees enjoy maternity medical expenses in accordance with state regulations. The required funds are paid from the maternity insurance fund. Maternity insurance benefits include maternity medical expenses and maternity allowance.

Article 56

Workers in any of the following circumstances can enjoy maternity allowance in accordance with state regulations:

(1) Female employees enjoy maternity leave;

(2) Enjoy family planning operation leave;

(3) Other circumstances stipulated by laws and regulations.

Maternity allowance is calculated and paid according to the average monthly salary of employees in the previous year of the employer.