What is the medical insurance card for?

1, the main purpose of medical insurance is to pay for outpatient treatment. When you go to a designated hospital for medical treatment, you can show your medical insurance card to prove your insured identity and registration. Individuals can directly settle the part of medical insurance reimbursement by medical insurance and hospitals, without paying fees first and then reimbursing. Only when the account is settled can the self-funded part be paid with the balance of the medical insurance card or cash.

2. There is a deductible for hospitalization reimbursement (the deductible standard is generally 10% of the average annual salary of employees in the city last year), which means that the money above the deductible needs to be paid by itself, and the reimbursement ratio varies from place to place, and different hospitals and different projects are different, about 80%. You can go to the local labor and social security online for details.

3. The money in the medical insurance card account can't be used for shopping and cashing, but the following expenses can be paid: the cost of purchasing drugs at designated retail pharmacies, the medical expenses of outpatient and emergency departments, the personal purchase of commercial insurance and accidental injury insurance.

4. Precautions: When the number of medical insurance card transactions reaches 60 times, the insured employees must go to China Bank Savings Office to print the transaction records, otherwise they will stop using the card. After the transaction record is printed, the card can continue to be used.

Extended data 1. Social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It takes personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, account funds to pay for consumption and so on.

2. The medical insurance card is generally undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

Reference materials? Baidu encyclopedia-medical insurance card