the medical insurance card found in the hospital cannot be reimbursed without payment.

The process of medical insurance payment is as follows:

1. The collection department of the medical insurance institution reviews the payment declaration and approval form and relevant materials reported by the insured unit. After the examination and approval, go through the formalities for approval or increase or decrease of the insured;

2. The collection department of the medical insurance institution shall timely record the enrollment time, current payment wages and other information for the newly insured persons according to the payment declaration and verification. The collection and payment department of the medical insurance institution shall verify the current payment base according to the declaration of the insured unit;

3. The collection department of the medical insurance institution calculates the payable amount according to the approved current payment base and payment rate of the insured unit, and prints out the Notice of Medical Insurance Payment and feeds it back to the reporting unit, and collects it on this basis.

The process of medical insurance recovery payment is as follows:

1. Go to the local social security bureau or medical insurance center to consult the specific process and material requirements for recovery payment;

2. Provide personal identification materials, including ID cards and household registration books;

3. If necessary, provide medical records and other related materials issued by the hospital;

4. Pay medical insurance arrears and late fees;

5. After the payment is successful, it usually takes days to weeks to wait for the medical insurance system to update information;

6. After completing the payment process of medical insurance recovery, you can enjoy medical insurance benefits normally.

to sum up, medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the payment of employers and individuals. After the insured person suffers from medical expenses, the medical insurance institution will give him some economic compensation.

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 that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical trading units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Article 3

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(1) Those that should be paid from the industrial injury insurance fund;

(2) It shall be borne by a third party;

(3) It shall be borne by public health;

(4) seeking medical treatment abroad.