The basic medical insurance for urban workers consists of overall funds and individual accounts. The overall fund is centrally managed and used by social security agencies, and is mainly used to pay medical expenses, operation expenses, nursing expenses, basic inspection fees, etc. List of insured employees. The specific reimbursement amount has nothing to do with the balance of medical insurance personal account.

Personal account is the part paid by individuals, which is used for medical consumption such as retail pharmacies, outpatient clinics and hospitalization expenses. Social medical insurance consists of basic medical insurance and large medical assistance, enterprise supplementary medical insurance and individual supplementary medical insurance.

Spending a medical insurance card is tantamount to spending your own life-saving money. The insured must realize that accumulating personal account funds means accumulating health insurance, and consciously manage and make good use of personal account funds. In addition, the money will not be wasted on the medical insurance card, and the medical insurance department will also pay the interest equivalent to the bank time deposit.

Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. It is undertaken by the government and implemented and managed by economic, administrative and legal means.

Emergency settlement

The medical expenses incurred by the insured due to emergency rescue to non-designated medical institutions in the city and medical institutions in different places shall be paid in advance by individuals or units. After the emergency rescue, the medical insurance agency shall handle the reimbursement procedures according to the provisions with the emergency hospitalization medical records, inspection, laboratory test sheets, invoices and detailed list of medical expenses.