medical insurance card reimbursement is not a direct deduction of funds from the medical insurance card account.

the reimbursement of medical insurance card is decided according to the situation. There are two accounts of medical insurance card, one is personal account, and the other is overall account. In the case of overall planning, after the overall planning account is reimbursed according to the corresponding proportion, the remaining medical expenses after deducting the medical insurance reimbursement part can be deducted from the personal account balance.

The reimbursement ratio of medical insurance includes two aspects:

1. The basic medical insurance payment ratio: the basic medical insurance payment ratio refers to the proportion paid by the medical insurance fund, which generally ranges from 7% to 8%;

2. Personal out-of-pocket proportion: Personal out-of-pocket proportion refers to the proportion of medical expenses that individuals have to bear, generally ranging from 2% to 3%.

Medical insurance reimbursement process:

1. Confirm the reimbursement scope: During the treatment, you need to confirm whether your treatment items are within the reimbursement scope of medical insurance;

2. Collect reimbursement materials: collect relevant treatment records, drug receipts, medical expense lists and other related materials;

3. Go to the social security department for reimbursement: submit relevant materials to the local social security department for reimbursement of medical insurance;

4. Waiting for approval: the social security department will conduct relevant review and comparison to confirm the reimbursement ratio and reimbursement amount; Receive reimbursement: After approval, you can receive reimbursement for medical insurance at the designated bank.

Medical insurance reimbursement standard:

1. Residents' reimbursement ratio: 6% in town hospitals; 4% reimbursement for secondary hospitals; 3% reimbursement for tertiary hospitals;

2, urban residents, in a settlement year, medical expenses below 1, yuan that meet the scope of reimbursement, the threshold of tertiary hospitals is 659 yuan, and the reimbursement ratio is 5%, with the upper limit of 2, yuan; The Qifubiaozhun for hospitalization in secondary hospitals is 3 yuan, and the reimbursement rate is 55%; There is no qifubiaozhun for first-class hospitals, and the reimbursement rate is 6%;

3. For reimbursement in different places, you need to go back to your hometown to participate in the insurance, and the reimbursement rate is 35-65%, which varies according to the hospital level.

to sum up, medical insurance reimbursement is not to deduct the money from the medical insurance card. The reimbursement of medical insurance card is decided according to the situation. There are two medical insurance card accounts, one is individual account and the other is overall account. In the case of overall planning, after the overall planning account is reimbursed according to the corresponding proportion, the remaining medical expenses after deducting the medical insurance reimbursement part can be deducted from the personal account balance.

Legal basis:

Article 28 of the Social Insurance Law of the People's Republic of China

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.

article 29

the part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical trading units.

the social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in different places, so as to facilitate the insured to enjoy the basic medical insurance benefits.