Legal analysis: This is because not all the money for medical treatment can be reimbursed, and some of them need to be paid by themselves, so even if the insured card has money, you still need to pay in cash or swipe your own bank card.

When you see a doctor in a designated hospital, you can show your medical insurance card to prove your enrollment status and registration. Individuals do not need to pay first and then reimburse, so they can directly settle the medical insurance reimbursement with the hospital. Only when you settle the account, you can pay the self-paid part with the balance of the medical insurance card or cash.

When reimbursement is made for hospitalization, there is a deductible line (the deductible standard is generally 1% of the average annual salary of employees in the whole city last year), which means that you need to pay the deductible line yourself, and the part that exceeds the deductible line can be reimbursed according to the local medical insurance regulations. The reimbursement ratio is different from place to place, and different hospitals and different projects are also different.

Legal basis: Article 3 of the Provisions of Beijing Municipality on Basic Medical Insurance, the basic medical insurance fund shall not pay the following medical expenses:

(1) seeing a doctor in a medical institution that is not designated by himself, except for emergency;

(2) purchasing drugs in non-designated retail pharmacies;

(3) Injuries caused by traffic accidents, medical accidents or other accidents;

(4) Injuries are caused by taking drugs, fighting or other illegal acts;

(5) being treated for suicide, self-mutilation, alcoholism and other reasons;

(6) being treated abroad or in Hongkong, Macao Special Administrative Region and Taiwan Province.