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 main purpose of medical insurance card:
1. Used for purchasing drugs: when the insured purchases drugs, medical devices, disinfection products, etc. In the designated retail stores of medical insurance, they can pay with medical insurance cards. It should be noted that the purchase amount of medical insurance card every half month is less than 200.
2. For seeing a doctor: When the insured is sick, he can register and see a doctor in a designated hospital with a medical insurance card and a medical insurance manual in a designated medical institution. The medical insurance card can be used for medical expenses below the threshold for outpatient and emergency medical expenses, as well as medical expenses above the threshold and below a certain percentage of the maximum payment limit.
The main process is as follows: holding the medical insurance manual and medical insurance card-registering at the hospital medical insurance office-reviewing the card-paying the hospitalization deposit-hospitalization-self-funded projects need the patient's consent and signature-cash or medical insurance card.
3. Used to help relatives pay medical insurance premiums: After signing a payment agreement with the medical insurance management center, the insured can use the funds in the personal account of the medical insurance card to pay the basic medical insurance premiums for urban residents for their relatives, but the number of times is limited to two or less.
4. Physical examination: The insured can use personal accounts to settle the health examination expenses of designated medical institutions below the municipal level (including the municipal level).
To sum up, the medical insurance card realizes the payment and collection of various fees through the social security card, which is convenient for flexible employees to pay social insurance premiums. At the same time, paying and receiving various benefits through social security cards also facilitates individuals to enjoy various social insurance benefits.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 28
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.