1. Medical expenses reimbursement: the medical insurance card can be used to pay the medical expenses incurred by the insured in designated medical institutions and pharmacies, and can be used for medical expenses reimbursement. This includes routine medical expenses such as seeing a doctor and buying medicine.
2. Other payment functions: According to the new regulations, medical insurance cards have other payment functions in some areas, such as paying for medical examinations and vaccines, and supporting the purchase of commercial insurance in some provinces and cities. In addition, medical insurance cards in some places can also be used to pay for fitness in fitness venues.
3. Identity authentication: In some cases, the medical insurance card can be used as a proof of personal identity. For example, in some cases where identity authentication is required, the medical insurance card can be used as an effective identification document.
4. The medical insurance card is an important tool closely linked with the medical insurance and social security system, providing more convenient and efficient medical security services for the insured. Through the medical insurance card, people can manage their personal medical insurance accounts more effectively and enjoy better medical security.
Attention should be paid to the use of medical insurance cards:
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.
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 employees' spouses, children, parents and other close relatives who participate in basic medical insurance, so as to realize mutual assistance among family members.
3. The following medical insurance will not be paid.
Seeing a doctor in a non-designated medical institution or buying medicine in a non-designated retail pharmacy (except emergency): self-injury caused by personal fighting, drug abuse or other illegal acts; Treatment for alcoholism, suicide and self-mutilation; Injuries caused by traffic accidents, medical accidents or other liability accidents; And the situation that the state or local regulations should be paid by individuals.
To sum up, the specific scope of use and functions of medical insurance cards may be different due to different regions and policies. Therefore, when using the medical insurance card, it is recommended that the insured know the relevant local laws and policies in detail to ensure that the functions of the medical insurance card are fully exerted.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 12
The basic medical insurance premium is levied on a monthly basis, and the employer and employees shall pay the basic medical insurance premium to the tax collection authority within the prescribed time limit. The part that individual employees should pay shall be withheld and remitted by the employer from their wages.