In p>223, after applying for a medical insurance card, flexible employees can enjoy medical insurance benefits, but the money in the medical insurance card cannot be returned to individuals. If you need to reimburse medical expenses, you can handle it through the medical insurance reimbursement channel.
according to relevant national policies, flexible employees can enjoy basic medical insurance benefits by applying for a medical insurance card, including outpatient service, hospitalization and emergency treatment. The money in the medical insurance card is managed and used by the financial management department entrusted by governments at all levels to pay the medical insurance expenses of the medical insurance fund and reimburse the medical expenses. Therefore, after applying for a medical insurance card, the medical insurance fees paid by flexible employees will be included in the medical insurance fund account, not in the medical insurance card. The specific use of these funds is managed and controlled by the government in accordance with relevant regulations and cannot be returned to individuals. If flexible employees need to reimburse medical expenses, they can handle it through the medical insurance reimbursement channel. Under normal circumstances, flexible employees can seek medical treatment in medical institutions with medical insurance cards, and then apply for reimbursement through social security cards or medical insurance cards. The specific reimbursement process and amount will also be different due to regional and policy differences, so it is necessary for flexible employees to read the relevant local regulations and policies carefully.
can I buy commercial medical insurance instead of medical insurance card? Sure. Although flexible employees can enjoy basic medical insurance benefits by applying for medical insurance cards, the coverage of medical insurance cards is limited and cannot meet all medical needs. Therefore, if flexible employees want to get more comprehensive medical insurance, they can consider buying commercial medical insurance. Commercial medical insurance has higher coverage, more comprehensive coverage and more convenient service mode, which can provide better protection for flexible employees.
As a flexible employee, applying for a medical insurance card is one of the necessary means to protect health. When applying for a medical insurance card, flexible employees need to understand the relevant local policies and regulations, and apply and handle according to the procedures and regulations. If you need to reimburse expenses such as medical expenses, you also need to know the local reimbursement process and quota in order to get reimbursement in time. If there is a higher demand for medical insurance, you can consider buying commercial medical insurance as a supplement.
Legal basis:
Social Insurance Law of the People's Republic of China Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the state 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 ensure that citizens are legally protected from the state and society in case of old age, illness, work injury, unemployment and maternity.