Your friend can use the medical insurance card to get medicines for relatives. The medical insurance card is generally handled by a local designated agent bank and is a multi-functional bank debit card.

After the insured units pay the premiums, the local medical insurance department will entrust the bank to allocate the personal account funds to the insured employees' personal medical insurance cards at the end of the month.

Scope of use of medical insurance cards: When insured employees go to designated hospitals and pharmacies to purchase medicines, they can swipe the card at the POS machine with their password, but they cannot withdraw cash or make transfers.

Medical insurance card balance inquiry: Insured employees can inquire about the balance by calling the phone, or at Bank of China Savings Office or designated hospitals and pharmacies in urban areas.

You can also log in to the social security inquiry system online to inquire.

Medical insurance card transaction inquiry: Insured employees can go to the savings bank of Bank of China and request to print medical insurance card transaction records, including personal account fund allocation records and consumption records, with their ID cards and medical guarantees.

If you have any questions about transaction records, you can go to the Retail Business Department of Bank of China for inquiries.

Medical insurance card password: If insured employees change their password, they can call to change it, or they can go to the Bank of China Savings Office with their ID card to change it.

If insured employees forget their passwords, they can report the loss of their original passwords to the Bank of China Savings Office with their ID cards and change their passwords.

Keeping the medical insurance card: Insured employees should keep the medical insurance card properly. If it is accidentally lost, please immediately go to the unit to issue a certification letter and go to the medical insurance office to stamp it for confirmation. Then, take your ID card to the Bank of China Savings Office to report the loss and go through the card replacement procedures.

, you can receive the new card after 7 days.

Note: When the number of medical insurance card transactions reaches 60, insured employees must go to the Bank of China Savings Office to print the transaction records, otherwise, the use of the card will be stopped.

After the transaction record is printed, the card can continue to be used.

If hospitalization is covered by medical insurance, the reimbursement range will be between 55% and 65% based on the actual amount of expenditure. For example, if you spend 10,000 yuan, the reimbursement range will be between 55% and 65%.

In the pharmacy, you are 100% responsible for it, and only when you are hospitalized can you enjoy the reimbursement ratio (it must be covered by medical insurance).

my country's current medical insurance system is one of the means to alleviate the "expensiveness of medical treatment" for urban residents and is a "life-saving card" for ordinary people.

But we have seen that in some places, medical insurance cards have turned into shopping cards, and some people use them to buy soy sauce, towels, chili sauce, toothbrushes and toothpaste, etc.

What’s even more serious is that some pharmacies even condone illegal cash-outs and illegal “black market” transactions.

A small number of people also use medical insurance cards to purchase in-demand drugs, which flow into the black market through criminals, posing a threat to the country's drug safety and medical system.