The balance of medical insurance card, that is, the basic medical insurance fund consists of pooling funds and individual accounts, with individual contributions transferred to individual accounts and unit contributions transferred to pooling funds.

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. The medical insurance card is undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

The use process of medical insurance card in designated hospitals is as follows:

1. When you go to a designated hospital for medical treatment, you can show your medical insurance card to prove your enrollment and registration. Individuals do not need to pay first and then reimburse, and can directly settle the medical insurance reimbursement with medical insurance and hospitals. Only when the account is settled can the self-funded part be paid with the balance of the medical insurance card or cash.

2. There is a deductible for hospitalization reimbursement (the deductible standard is generally 10% of the average annual salary of employees in the city last year), which means that the money above the deductible needs to be paid by itself, and the reimbursement ratio varies from place to place, and different hospitals and different projects are different, about 80%. You can go to the local labor and social security online for details.

Article 23 of the Social Insurance Law of People's Republic of China (PRC) * * * Employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premium in accordance with the provisions of the state.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.