Legal analysis: At present, there are geographical restrictions, because the insured information is not connected to the national network, so the local medical insurance card can only be used within the local scope. If you use it in a different place, you can't find out whether it is you, whether you have paid the fee, and whether it is a real medical insurance card. Therefore, due to the principle of prudence, there will be corresponding geographical restrictions, and there will be no geographical restrictions after the national unified networking.

Social medical insurance card, referred to as medical insurance card or medical insurance card, is a special card for personal account of medical insurance. With the personal identity card as the identification code, the detailed information such as personal identity card number, name, gender, account capital expenditure and consumption are stored and recorded.

Legal basis: Article 30 of the Social Insurance Law of People's Republic of China (PRC), the following medical expenses are not included in the payment scope of the basic medical insurance fund:

(1) shall be paid by the industrial injury insurance fund (2) shall be borne by a third party (3) shall be borne by public medical care (4) overseas medical care.

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.