There is no social security in Shenzhen. Use your husband’s social security card.

The Shenzhen social security card includes medical insurance. Of course, the premise is that your employer has participated in medical insurance for you. The medical insurance card is what we usually call the social security card. Since everyone participates in different forms of medical insurance, medical treatment using social insurance will be different. Most non-Shenzhen households participate in migrant worker medical insurance or hospitalization insurance. Shenzhen households are required to participate in comprehensive medical insurance, and some non-Shenzhen households also participate in comprehensive medical insurance.

Migrant workers’ medical insurance (also known as: cooperative medical care, migrant workers’ medical insurance), you can swipe your card to see outpatients for common diseases at the bound social health center. Some expenses are not covered by social insurance and you cannot swipe your card. You have to cash it yourself. .

For hospitalization insurance, you can also swipe your card when visiting outpatient clinics at the bound social welfare center. The usage method is the same as mentioned above. For medical insurance or hospitalization insurance for migrant workers, when you swipe your card when visiting an outpatient clinic, the money from the social security card is not deducted (there is no personal account), but the outpatient overall fund is used.

Comprehensive medical insurance provides outpatient treatment for common diseases by swiping a card and using the money in your own account (comprehensive medical insurance has a personal account). If the money in the personal account of the medical insurance is used up, you can only pay it yourself. Got cash. Unless you have a serious outpatient illness, you can use social security to account for it, and you will pay little or no money yourself. There are regulations for these serious diseases. Shenzhen now stipulates that 17 types of serious diseases can be treated in outpatient clinics using social insurance, and they must be treated in hospitals designated by social insurance. Therefore, it is better to get less sick, and good health is the greatest wealth.

The number of serious outpatient diseases has increased to seventeen types

The newly issued "Shenzhen Social Medical Insurance Outpatient Major Illness Management Measures" has increased the number of outpatient serious diseases from three to two** *17 types.

The first category includes: hypertension (stages II and III), coronary heart disease, chronic cardiac insufficiency, liver cirrhosis (decompensated stage), chronic viral hepatitis (type B, type C, Active phase), moderate and above moderate chronic obstructive pulmonary disease, rheumatoid arthritis, systemic lupus erythematosus, diabetes, globin production disorder (thalassemia or thalassemia), aplastic anemia, hemophilia, Parkinson's disease, schizophrenia.

The second category includes: outpatient dialysis for chronic renal insufficiency (uremia stage), post-organ transplantation (anti-rejection treatment), outpatient chemotherapy, radiotherapy and radionuclide therapy for malignant tumors.

The relevant provisions for outpatient serious illness in the first category apply to comprehensive medical insurance participants; the second category applies to comprehensive medical insurance, hospitalization medical insurance and migrant workers medical insurance participants.

As for hospitalization, social security can be used for hospitalization. The reimbursement ratios of several medical insurances are somewhat different, but the difference is not very big. For hospitalization, part of the hospitalization does not cost money from your own personal account. As long as it is above the hospitalization deductible and below the maximum payment limit of the overall pool fund, it will be fully paid by the basic medical insurance serious illness pool fund. The hospital keeps accounts first, and then the hospital settles the accounts with the Social Security Bureau.

Frequently asked questions from netizens:

1. Will all medical expenses be deducted from the social security card?

Excuse me, will all the medical expenses be deducted from the social security card, or part of it will be deducted from the social security and part of it will be paid in cash?

Answer: If you live in Shenzhen, the outpatient fees can be deducted from the social security card. However, some drugs cannot be deducted from the social security card and must be paid in cash;

No Shenzhen household, but if the company buys you comprehensive medical care. Medical expenses can be deducted from your social security card.

If it is not a Shenzhen household and the company only purchases hospitalization insurance. Of course it cannot be used for outpatient visits. It can only be used when you are hospitalized.

2. If you have a temporary residence, is it better to buy hospital insurance? Or is it better to buy comprehensive insurance? Is it better for the company or for the individual?

Answer: Comprehensive insurance is better , good for individuals, but expensive. The country does not enforce this, so most companies are not willing to provide this.

Even if it is a Shenzhen household, if the medicine involved in outpatient or hospitalization is not a social security medicine , then I have to pay for it out of my own pocket. If you want to know the detailed differences between several types of medical insurance, please read "Which medical insurance is more cost-effective to buy in Shenzhen"

3. My father will come from the mainland. Can I use my husband's medical insurance card for my father's hospitalization? Some people have tried it. ?

Answer: This is against the regulations.

The netizen’s reply is for reference only: it should be possible in the outpatient clinic, and I have tried it in Peking University Hospital. There is no money on my LG card, so I told the doctor that they can use my social security card to get a prescription in my name. My mother-in-law also used my card to pull out teeth. For doctors, as long as they can receive money, they don't care how you pay.

But I haven't tried hospitalization. You can ask the doctor who treated your father.

4. Will the money in the social security card be deducted when using social security to see a doctor?

Answer: It depends on what kind of medical insurance you have. Hospitalization insurance can also be used to see outpatients and swipe the card, but the social security will not be deducted. The money in the card is used for the outpatient overall fund. If you can't use the fund, you have to use cash.

If it is comprehensive medical insurance, there is a medical personal account in the social security card. When you use social security to see an outpatient clinic, the money in the social security card, which is the money in the medical personal account, will be deducted.

The above mentioned are all general outpatient visits. If you are hospitalized, the money from the social security card will not be deducted. As long as the amount is above the hospitalization deductible and below the maximum payment limit of the unified fund, the basic medical insurance will cover the major illness. The overall fund is paid in full.

5. How to check the details of medical expenses?

Answer: For those who participate in comprehensive medical insurance, the medical insurance balance can be checked online. One of the results of personal social security inquiry is the medical insurance balance. Details of medical expenses cannot be found online. You can check the details of medical insurance expenses at the window of the Social Security Bureau.

Shenzhen Social Security Inquiry

6. How to use personal medical insurance card? Now the whole family can use it?

Answer: The personal account accumulation amount reaches the market in 1 month If the annual average monthly salary of on-the-job employees (currently 3,233 yuan) is exceeded, the excess will be used to pay for outpatient medical expenses for all members of their families. This plan has been reported to the Shenzhen Municipal Government and is expected to be promulgated and implemented in the near future. All family members include parents, spouses, children, etc., regardless of whether the family members have Shenzhen household registration or have participated in medical insurance.

Since last year (2008), Shenzhen has taken the lead in the country in implementing the "family account" model of medical insurance in which one person is insured and the whole family benefits. Insurance Measures" stipulates that if the personal account accumulation reaches one month's average monthly salary of the city's employees on the job in the previous year, the excess can be used to pay for health examinations, vaccinations and children who have participated in juvenile and children's hospitalization and serious illness outpatient medical insurance. Outpatient medical expenses.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance