Legal analysis: In a hospital with medical insurance, you take a medical insurance card to the hospital when you are hospitalized, and the expenses are directly deducted from the medical insurance card. If you are discharged from the hospital at your own expense, there is no way to reimburse you: if you are hospitalized in other places, you must have a referral certificate from the hospital where you are insured, pay the expenses yourself first, and then take the expense receipt to the social security bureau where you are insured for reimbursement.

Legal basis: Article 29 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the part of the medical expenses of the insured who should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institution and pharmaceutical business unit.