Legal analysis: Hospitals and medical insurance bureaus directly settle outpatient expenses through patients in settlement, and direct consumption through social security cards complies with the direct settlement of consumption in the medical insurance catalog.

If hospitalization expenses or hospital observation expenses occur, they can be settled directly through the overall planning department.

Medical insurance refers to social medical insurance.

Social medical insurance is a social insurance system established by the state and society in accordance with certain laws and regulations to provide workers within the coverage with basic medical needs when they fall ill.

The basic medical insurance fund consists of a pooled fund and individual accounts.

All basic medical insurance premiums paid by individual employees are included in their personal accounts; basic medical insurance premiums paid by employers are divided into two parts, one part is transferred to the personal account, and the other part is used to establish a pooling fund.

It has the characteristics of "low level and wide coverage". The payment is based on the cost that most low-level units and individuals can afford. It widely covers all units and employees in cities and towns. Employees of different types of units can enjoy the right to basic medical insurance.

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After the insured completes the payment period, they can enjoy it for life.

Secondly, the basic medical insurance has the characteristics of "both parties bear the responsibility and integrates the accounts"; it is based on the principle of "determining the expenditure based on revenue and balancing the revenue and expenditure".

Legal basis: Article 29 of the "Social Insurance Law of the People's Republic of China" The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit

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The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical insurance and basic medical insurance for urban residents shall be implemented in accordance with national regulations.