Bazhong Village applies for medical insurance, which belongs to the commercial medical insurance for urban and rural residents. According to the payment requirements in 2021, the insurance payment basis for urban and rural residents in 2021 is 280 yuan per person per day, and the government department The daily subsidy is 550 yuan, all of which will be credited to the medical co-ordination fund account. Because the payment standards for urban residents' medical insurance are very low, the government subsidy plus personal payment is only 830 yuan per year. Compared with the payment standards for urban employee medical insurance, the difference is very big, so it is impossible to create a personal account. There are only pooling accounts.

The medical insurance paid by urban and rural residents is based on the contribution ratio borne by the individual and the unit. The total contribution ratio exceeds 8%. The employee himself uses his personal actual income as the contribution base. Among them, the part paid by the enterprise is credited to the overall fund account, and the part paid by the individual is credited to the personal account. 30% of the part paid by the enterprise needs to be distributed proportionally and credited to the personal account according to the factors affecting the average age. The main expenditures of the overall fund mainly include three aspects. First, the part that is allocated to personal accounts based on the proportion, the overall proportion is 30%; second, most of the remaining 70% is used to purchase hospitalization fees; third, a small part is used to purchase outpatient services for unique outpatients fee.

Personal account assets are mainly used to purchase medicines at designated pharmacies and to pay for medical treatment in hospitals; for hospitalization, other than the out-of-pocket expenses paid by the overall diagnosis and treatment fund, etc. To buy medicines at a designated pharmacy, the necessary condition is to create a personal account, and the personal account must have a fund balance. As long as you have a social security card with a personal account and a fund balance, you can now swipe your credit card to get medicines in many designated pharmacies in Chengdu, including the social security card in Bazhong. , as long as there is a balance in the personal medical insurance account in the social security card, you can buy medicines at various designated pharmacies in Chengdu.

However, rural medical insurance is actually commercial medical insurance for urban and rural residents. Because only a pooling account is set up and no personal account is created, there is no personal medical insurance account balance in the social security card. Although medical insurance is currently coordinated at the prefectural and municipal levels, most cities in Sichuan Province have already enabled real-time settlement of outpatient clinics outside Sichuan Province, including designated pharmacies, which can be used with credit cards. However, because rural medical insurance does not have individual accounts, even in Bazhong City, medical expenses can only be reimbursed during hospitalization. It is very difficult to go to a clinic for medical treatment, except for those who apply for special outpatient treatment. It is difficult to reimburse medical expenses, and it is impossible to go to the pharmacy to swipe a credit card to get medicine.

In general, Bazhong’s rural medical insurance belongs to the commercial medical insurance for urban and rural residents, which does not require the creation of personal accounts. Not only can you not get medicine by swiping a credit card in Chengdu, but also in Bazhong In China, you cannot use your social security card to swipe your credit card directly to get medicines. However, those who pay employee medical insurance in Bazhong can still use their social security cards to swipe their cards to buy medicines in many designated pharmacies in Chengdu.