The government subsidizes the payment of insurance for urban residents; It is convenient and quick to see a doctor after insurance. After insurance, residents can apply for a medical insurance card. When you are sick, you can take this card to any designated hospital in Harbin's basic medical insurance for urban residents for medical treatment. The medical expenses incurred by the insured residents in the designated hospitals that meet the scope of overall fund payment need not be paid by individuals in advance, and shall be directly settled by the municipal medical insurance management center in the designated hospitals; Men who have lived in different places for a long time have reached the age of 60 and women have reached the age of 55, so they can apply for medical treatment in different places. Medical expenses incurred in different places that meet the payment scope of the overall fund can be reimbursed back to Harbin. Q: What is the coverage of basic medical insurance for urban residents? Answer: Persons with urban household registration in Harbin who are not included in the basic medical insurance for urban workers (excluding college students) specifically include:/kloc-non-employed residents over 0/8 years old (including 18 years old) (hereinafter referred to as adult residents); /kloc-urban residents under the age of 0/8, including infants (excluding newborns born within 28 days), preschool children and primary and secondary school students (including students studying in secondary specialized schools, technical schools, secondary vocational and technical schools and special schools) (hereinafter referred to as "students and children"); Persons who have participated in the basic medical insurance for urban workers and terminated the labor relationship with the enterprise, but did not extend the medical insurance relationship; Residents who participated in medical insurance from July 2006 to February 29, 2006 according to the regulations of Haro Shefa (2006) 107.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.