According to the relevant regulations of China's medical insurance department, patients who use medical insurance can only use the medical insurance reimbursement amount of the year, without accumulation. Therefore, at the end of each year1February, the amount of the current year will be cleared, and it will start again next year. First, individuals pay the expenses within the deductible line, and enjoy medical insurance reimbursement beyond the deductible line.

There are two kinds of accounts in medical insurance card: pooling fund account and individual account. Under normal circumstances, there are two kinds of accounts for employees' medical insurance, and residents' medical insurance only has a pooling fund account. Suspension of medical insurance payment for more than 6 months, no reimbursement. As long as there is money in the personal account in the medical insurance card, the balance can also be used to buy medicine, see a doctor and be hospitalized.

Payment scope of medical insurance pooling fund:

1, the insured employees and residents are hospitalized, and the hospitalization expenses that meet the basic medical insurance regulations in the overall planning area occur.

2, insured workers and residents suffering from special chronic diseases (coronary heart disease, malignant tumor, organ transplantation anti-rejection treatment, etc.). ), after application, identification and confirmation, can be treated in outpatient medical expenses. The specific chronic diseases of employees and residents shall be stipulated by the overall planning area.

3, outpatient special examination, special treatment of medical expenses.

4. It can be used to pay the medical expenses incurred by the insured and their spouses, parents and children in designated medical institutions, as well as the expenses incurred by individuals in purchasing medicines, medical devices and medical consumables in designated retail pharmacies.

Refer to the above content: Baidu Encyclopedia-Medical Insurance Co-ordination