1. After the related medical expenses occur, it is necessary to apply for reimbursement in time. For example, you can log on to the website of the local mutual aid association, which generally requires an account password. At ordinary times, you can consult the person in charge of the medical mutual insurance of the unit, find the "application business" after entering, then click "Start a new application", enter the relevant information such as ID number, select the insurance type that the unit participates in, and upload the required materials as required.

2. comment. Waiting for comments from relevant departments;

3. review. Waiting for data review, it usually takes about three working days to get the audit results;

4. Rescue reimbursement. After the approval, the medical mutual insurance can be reimbursed, and the reimbursement will generally be credited to the bank account designated by the applicant.

Generally speaking, to apply for reimbursement of medical mutual insurance, it is usually necessary to prepare outpatient and emergency receipts, drug prescriptions, details of examination and treatment expenses, hospitalization receipts, hospitalization medical expenses list, statements, medical diagnosis certificates, reimbursement of expenses that have been settled by medical insurance in real time, etc., and fill out the Insurance Payment Application Form and other necessary related materials.

Medical mutual insurance mainly protects employees of small and medium-sized enterprises and their families who used to enjoy half-price medical treatment in the new basic medical insurance system. The scope of reimbursement mainly includes that employees and their families are seriously ill, and after enjoying the national basic medical insurance benefits, the medical expenses borne by individuals are still high, and they can use medical mutual insurance to give economic help to employees. Employee mutual medical insurance is generally a one-time premium paid by individual employees. When the medical expenses borne by individuals exceed a certain amount, they can be reimbursed from the employee mutual assistance supplementary medical insurance fund.

Generally speaking, in order to ensure the economic ability of the mutual medical fund and resist the operational risks of the fund, the agency of the workers' mutual medical insurance must be a city trade union or other independent legal person institution at or above the prefecture level, and it must also be strictly examined and approved by the social security administrative department at the same level.