1. The main purpose of medical insurance is to pay for outpatient treatment. When you go to a designated hospital for medical treatment, you can show your medical insurance card to prove your insured identity and registration. Individuals can directly settle the part of the medical insurance reimbursement by medical insurance and the hospital without paying first and then reimbursing. Only when you settle the account, you can pay the self-paid part with the balance of the medical insurance card or cash.

2. When reimbursement is made for hospitalization, there is a deductible line (the deductible standard is generally 1% of the average annual salary of employees in the whole city last year), that is to say, the money beyond the deductible line needs to be paid by yourself, and the reimbursement ratio is different from place to place, and different hospitals and different projects are also different, about 8%. For details, you can go to the local labor security online.

3. The money in the medical insurance card account can't be used for shopping or cashing, but it can pay the following expenses: drug purchase expenses in designated retail pharmacies, outpatient and emergency medical expenses, and personal purchase of commercial insurance and accidental injury insurance.

4. Precautions: When the transaction times of the medical insurance card reach 6 times, the insured employees must print the transaction records at the Bank of China Savings Office, otherwise, the use of the card will be stopped. After the transaction records are printed, the card can continue to be used. Extended information

1. Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It takes personal identity card as the identification code and stores detailed information such as personal identity card number, name, gender, payment and consumption of account funds.

2. The medical insurance card is generally undertaken by the local designated agent bank, which is a kind of multifunctional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank with the personal account payment at the end of the month to allocate it to the personal medical insurance card of the insured employees. Reference materials? Baidu encyclopedia-medical insurance card