The advance payment of medical insurance refers to a part of the funds in the personal account of medical insurance, which can be used for the advance payment of medical expenses within a certain range. Generally speaking, when you need to see a doctor or receive treatment, you can use the advance payment in your personal medical insurance account to pay part of the medical expenses in advance. After that, the medical insurance fund will settle the medical expenses within a certain period of time, so as to return the true reimbursement amount of medical expenses to the insured.

According to the national medical insurance policy, the insured can prepay the expenses within the prescribed scope, including the medical expenses within the scope of the basic medical insurance pooling fund and the medical expenses within the scope of the personal account. However, the prepaid amount cannot exceed the balance in your own account. In addition, the advance payment of medical insurance is mainly used for outpatient expenses, and the hospitalization part will be reimbursed according to the proportion of medical insurance in the future.

Paying in advance for medical insurance can reduce the financial burden of patients and alleviate the problems of difficult and expensive medical treatment for patients. At the same time, it also guides patients to choose standardized and reasonable medical institutions and diagnosis and treatment methods, so as to carry out efficient and standardized medical diagnosis and treatment, reduce the impact of vicious medical competition and reduce the pressure of medical resources shortage. The use of advance payment also encourages the change of patients' lifestyle, promotes health management and disease prevention, and creates a good atmosphere for social medical insurance.