Legal analysis: the medical expenses of hospitalization in the medical insurance hospital in the insured area are paid by the individual and settled with the hospital. The part that should be borne by the medical insurance fund, individuals do not need to take money, and the agency will settle with the hospital. The medical insurance card deduction of hospitalization expenses is a one-time deduction, that is to say, the money spent during hospitalization is deducted by the medical insurance card reimbursed by the individual at his own expense when he leaves the hospital.

Legal basis: Article 29 of the Social Insurance Law stipulates that the part of the insured's medical expenses that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical trading 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.

Article 30 of the Social Insurance Law The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(three) shall be borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a 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.