When paying for employee medical insurance, it is divided into enterprise payment and individual payment. The portion paid by enterprises generally accounts for about 6%, and this part is fully credited to the medical unified fund account. The portion paid by individuals accounts for about 2%, and all is credited to the personal account, that is, you need to Pay it into the social security card we usually use every month. In addition to the 2% we pay ourselves, the company also needs to refund 30% of the fee to the personal account. On average, the proportion returned to the personal account can reach about 3.8%. However, the specific proportion of each person's actual refund should be implemented according to the relevant regulations of the local medical security system. Judging from the relevant regulations in most areas, it is usually linked to one's age. The older the refund, the older the person. The proportion will be higher.

To return funds to your medical insurance personal account is to use the social security card you hold to swipe your credit card application. You can go to the social insurance coverage area, which is actually the designated pharmacy or hospital outpatient department in the same coordinating area, swipe your credit card to get medicines, and pay for the outpatient fees for hospital examinations. During the payment of hospitalization fees, you need to pay the fees yourself, such as threshold fees, etc. But the scope of application must be applied within the comprehensive area before medical insurance improves the comprehensive scope. For example, if you apply for employee medical insurance in Dongguan City, Guangdong, you can swipe your credit card at any designated pharmacy or designated hospital in Dongguan City, outside the scope of Dongguan, such as Zhongshan, Jiangmen, or Guangzhou. , in fact, it is to leave the coordination area of ??Dongguan. Because it is a municipal-level city as a coordination area, Zhongshan, Jiangmen, and parts of Guangzhou are all independent coordination areas. Therefore, it is difficult to brush Dongguan’s social security card in such a place. Credit card used.

At present, for hospitalization expenses, which is actually the overall fund account, it is possible to implement reimbursement in other places. If you are applying for medical treatment in another place and register for hospitalization, real-time settlement can be done in the hospital through the medical settlement system in other places. ; If you have not registered for medical treatment in another place, but are allowed to be hospitalized in another place by the medical insurance department of the social insurance participating place, you need to advance the medical expenses yourself, and then return to the social insurance participating place for reimbursement with the hospitalization treatment materials. As for outpatient fees, although the funds in the social security card belong to personal account funds, they cannot be used by credit cards in areas where full remote settlement of outpatient fees is not enabled.

But now within the same province, the settlement platform for outpatient fees has been opened. Social security cards in different cities can open the provincial settlement platform at designated pharmacies within the same province. All can use credit cards, but not all pharmacies can use them, and only pharmacies that have opened remote settlement facilities can use credit cards. For example, recently in the five southwestern provinces, autonomous regions, and municipalities, some chain pharmacies in provincial cities can be used by credit cards in other places. For example, if I have a social security card in Chongqing, I can swipe my credit card in many chain pharmacies in Chengdu and even designated outpatient clinics. The same social security card in Chengdu and Chongqing can be used in many designated chain pharmacies in Kunming, Guiyang, and Lhasa. Credit cards can be swiped at pharmacies or hospital clinics.

However, social security cards from Chongqing or Chengdu may not be usable in parts of Guangzhou, Shenzhen, and Shanghai because these areas have not signed a network connection agreement. According to relevant regulations of the National Medical Insurance Administration, by the end of 2021, most parts of the country will launch off-site settlement systems for medical insurance outpatient fees. This is not to improve the comprehensive level, but to enable remote settlement. The remote settlement will be fully opened, laying the foundation for social security cards to be swiped by credit cards in other places to obtain medicines. However, not all pharmacies can swipe credit cards. Designated pharmacies and designated hospitals must have the off-site settlement system software enabled before they can use credit cards.

With the comprehensive implementation of the medical insurance outpatient financial security system, in the future, not only social security cards can be used at designated pharmacies and hospitals across the country, but also for medical treatment in hospitals across the country, at least 50% of outpatient fees can be reimbursed, just like hospitalization expenses, and are settled in real time at designated hospitals by swiping a credit card, but the corresponding part of the company's payment will no longer be refunded to the personal social security card in proportion, and will be refunded to personal account funds. Only the 2% you pay.

In general, for medical insurance paid in other places, after returning to the local area, social security cards from other places in most areas cannot be used locally. However, the medical insurance you have paid in Chongqing will not be used in Chongqing. Social security cards can be used with credit cards in many designated chain pharmacies in Kunming. As for whether Yixintang can use them, the most important thing is to see whether Yixintang has opened the hospital outpatient settlement system software. If it is enabled, it will be fine. The application has not been opened. I can only open the chain pharmacy and swipe my credit card to get medicine.