Bank of China sent me a text message asking me to activate my medical insurance card. What's the use of activating it? He also said that there was a balance in it and it had been transferred to the fi

Bank of China sent me a text message asking me to activate my medical insurance card. What's the use of activating it? He also said that there was a balance in it and it had been transferred to the financial card. What's going on here? This regulation was promulgated only in recent years. After the medical insurance card is bound to the bank card, it can be used like a bank card when activated, and there will be relevant preferential policies. 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, payment, account fund consumption, etc. The medical insurance card is generally undertaken by the local designated agent bank, which is a kind of 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. On April 22nd, 20021year, the General Office of the State Council issued the Guiding Opinions of the General Office of the State Council on Establishing and Perfecting the Economic Security Mechanism for Employees' Basic Medical Insurance Outpatients, stipulating that personal accounts are mainly used to pay out-of-pocket expenses incurred by the insured in designated medical institutions or retail pharmacies. New use of medical insurance card: 1. The main purpose of medical insurance card.

1, the main purpose of medical insurance is to pay for outpatient treatment.

2. Medical insurance has other uses. You can use this money to buy medicines (over-the-counter medicines), medical instruments, thermometers and sphygmomanometers at designated pharmacies.

Second, how to use the money in the medical insurance card account?

Personal accounts can pay the following fees:

1, drug purchase expenses of designated retail pharmacies, outpatient and emergency medical expenses;

2. It is used for me to purchase commercial insurance and accident insurance;

3, the basic medical insurance fund Qifubiaozhun below the medical expenses;

4, more than the basic medical insurance fund Qifubiaozhun part, pay personal expenses in proportion;

5. I'll pay for the part of my personal account that is insufficient to pay.

The overall account mainly pays the following fees:

1, hospitalization expenses;

2, malignant tumor radiotherapy, renal dialysis, kidney transplantation after taking anti-rejection drugs outpatient medical expenses;

3, emergency rescue income hospitalized patients, the medical expenses within seven days before hospitalization.

Third, the scope of medical insurance reimbursement

1, medical insurance card reimbursement is limited to medical expenses above hospitalization in designated hospitals due to diseases and some accidents.

The reimbursement formula is: (total cost-threshold cost-self-funded cost-cost overrun) *(75+ age *0.2)%. In general, the actual reimbursement rate ranges from 20% to 60%.

Self-funded drugs are not reimbursed, 80% of Class B drugs are reimbursed, bed fees are limited, and some inspection fees and medical treatment fees according to regulations cannot be reimbursed.

2. The reimbursement amount of medical insurance card is 4 times of the average salary of local social workers (1 year cumulative value).

3. The money in the medical insurance card can be used to buy medicines at designated pharmacies and pay for outpatient and emergency expenses, but it does not belong to the category of reimbursement, because the money in the medical insurance card is the money in the medical insurance personal account.

4, serious illness insurance reimbursement

After the insured suffers from a serious illness, the personal conceit part that meets the requirements of the municipal medical insurance in the designated medical institutions of the municipal medical insurance shall be included in the payment scope of the residents' serious illness insurance, and 50% shall be reimbursed by the serious illness insurance fund.

That is, reimbursement amount = self-funded part ×50%

Four, the proportion of medical insurance card reimbursement

In July this year, Ministry of Human Resources and Social Security announced the outline of the 13th Five-Year Plan for the development of human resources and social security. China should stabilize the proportion of hospitalization expenses in the basic medical insurance policy for employees and urban and rural residents at around 75%.

Five, the new use of medical insurance card

1 can be used as an ID card.

20 15 10 1, the criminal law amendment (IX) included the social security card in the scope of documents that can be used to prove identity according to law. Whoever forges, alters or buys or sells social security cards shall be investigated for criminal responsibility according to law; Anyone who uses a forged, altered or embezzled social security card of others shall be investigated for criminal responsibility according to law.

2. Some provinces and cities can keep fit.

In the second half of this year, in some provinces and cities such as Shandong, Chongqing and Jiangsu, employees themselves can use their personal account balance to carry out fitness activities in fitness venues. But it shall not be used to buy food, clothing, fitness equipment or cash.

Six, the use of medical insurance card should pay attention to matters.

1. Cash withdrawal is prohibited.

No unit or individual may violate the scope and requirements of the medical insurance card, and it is strictly forbidden to take cash.

2. Some provincial and municipal medical insurance cards can be used by the whole family.

Starting from the second half of this year, in some provinces and cities such as Zhejiang Province and Guangzhou City, the surplus funds of individual medical insurance accounts over the years can be used to pay the medical insurance expenses of the spouses, children, parents and other close relatives of employees' basic medical insurance participants, so as to realize mutual assistance among family members.

3. The following medical insurance will not be paid.

See a doctor in a non-designated medical institution or buy medicine in a non-designated retail pharmacy (except for emergency);

Self-injury caused by fighting, drug abuse or other illegal acts;

Treatment for alcoholism, suicide, self-mutilation, etc.; Injuries caused by traffic accidents, medical accidents or other accidents;

And the situation that should be paid by individuals according to national or local regulations.

7. How to check the balance of medical insurance card?

Insured persons can call 12333 for social security consultation or check the balance of medical insurance personal account through BOC savings office, designated hospitals in urban areas and pharmacies.

Finally, if you are not clear about medical insurance, you can call the human resources and social security hotline 12333 for consultation.

With the medical insurance card in hand, life has another guarantee. So be sure to keep it well and use it reasonably, which can not only save money for yourself, but also save trouble.