Legal analysis: The medical insurance card is a debit card, which is also called a savings card. It cannot be overdrafted and supports financial management functions such as funds and stocks.

Legal basis: Article 30 of the "Social Insurance Law of the People's Republic of China" The following medical expenses are not included in the payment scope of the basic medical insurance fund: (1) should be paid from the work-related injury insurance fund; (2) should be paid by a third party

(3) Should be borne by the public health department; (4) Seek medical treatment abroad.

Medical expenses shall be borne by a third party in accordance with the law. If the third party fails to pay or the third party cannot be identified, the basic medical insurance fund shall pay first.

After the basic medical insurance fund has paid in advance, it has the right to recover compensation from the third party.

Article 31 Social insurance agencies may sign service agreements with medical institutions and pharmaceutical business units to regulate medical service behavior based on the needs of management services.

Medical institutions should provide reasonable and necessary medical services to insured persons.

Article 32 If an individual is employed across a coordinating area, his or her basic medical insurance relationship will be transferred with the individual, and the years of payment will be calculated cumulatively.