The money reimbursed by medical insurance is transferred to the insured's social security card, medical insurance card or designated bank account. If it is a medical insurance reimbursement in social security, that is, if you go to a hospital in a different place without filing with the local medical insurance department, you need to pay the medical expenses first, and then go back to the local medical insurance department for reimbursement with hospitalization information after discharge. If you are hospitalized in the medical insurance co-ordination area, it belongs to the medical insurance reimbursement part, and it is basically settled in the hospital in real time.

The scope of medical insurance reimbursement is as follows:

1, medical insurance card reimbursement is limited to medical expenses above hospitalization in designated hospitals due to diseases and some accidents. The reimbursement formula is: (total cost-threshold cost-self-funded cost-cost overrun) (75+ age 0.2)%. In general, the actual reimbursement rate ranges from 20% to 60%. Self-funded drugs are not reimbursed, 80% of Class B drugs are reimbursed, bed fees are limited, and some inspection fees and medical expenses cannot be reimbursed according to regulations;

2. The reimbursement amount of medical insurance card is 4 times of the average salary of local social workers (1 year cumulative value);

3. The money in the medical insurance card can be used to buy medicines at designated pharmacies and pay for outpatient and emergency expenses, but it does not belong to the category of reimbursement, because the money in the medical insurance card is the money in the medical insurance personal account;

4, serious illness insurance reimbursement insured suffering from a serious illness, in the city's medical insurance designated medical institutions, in line with the provisions of the city's medical insurance personal responsibility, into the scope of payment of residents' serious illness insurance, 50% reimbursement by the serious illness insurance fund.

To sum up, take all the above information to the relevant departments of the local social security center. Upon examination, if the information is complete and meets the requirements, it can be handled immediately. When applying for reimbursement of outpatient medical expenses, the applicant should first deduct the amount allocated to the personal account of medical insurance in this social security year, and then verify the amount to be reimbursed. The money reimbursed by medical insurance is transferred to the insured's social security card, medical insurance card or designated bank account.

Legal basis:

Article 26 of People's Republic of China (PRC) Social Insurance Law

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

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.