medical insurance card includes personal medical insurance account and financial account, so as long as both accounts of medical insurance card are activated, you can deposit money. The financial account of medical insurance card has the basic financial functions of savings card, such as deposit, transfer, consumption and withdrawal, but these financial functions are limited to financial accounts. In addition, the personal medical insurance account of the medical insurance card can accumulate the transferred medical insurance balance, and the cardholder can use it for consumption in pharmacies and hospitals, but it cannot be used for other consumption scenarios, nor can it be cashed out, nor can money be deposited in it.

social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs protection for workers within the scope of protection. It is undertaken by the government, enforced and managed by economic, administrative and legal means.

Social medical insurance consists of three levels: basic medical insurance and large medical assistance, enterprise supplementary medical insurance and individual supplementary medical insurance.

medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the payment of employers and individuals. After the insured person suffers from medical expenses, the medical insurance institution will give him some economic compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of units and social members, and with the government's funding, the sick social members can get the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick social members from "poverty due to illness".

according to the basic requirements for the payment of basic medical insurance benefits in China, the insured must generally meet the following conditions when he goes to the medical insurance institution to reimburse the medical expenses incurred by his own medical treatment:

1. The insured must go to the designated medical institution of basic medical insurance to seek medical treatment and purchase medicines, or purchase medicines from the designated retail pharmacies determined by the social insurance institution with a medical prescription issued by a doctor in a designated hospital.

2. The medical expenses incurred by the insured in the process of seeing a doctor must conform to the scope and payment standards of the basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards, before they can be paid by the basic medical insurance fund according to regulations.

3. among the medical expenses that the insured meets the payment scope of the basic medical insurance, the part above the threshold and below the maximum payment limit of the social medical pooling fund shall be paid by the social medical pooling fund in a unified proportion.

Legal Basis

Social Insurance Law of the People's Republic of China

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, work injury insurance, unemployment insurance and maternity insurance to protect citizens' rights to receive material assistance from the state and society in case of old age, illness, work injury, unemployment and maternity.