1. Medical insurance card generally refers to social medical insurance card. 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.
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.
2. When you are sick, you can use medical insurance to reimburse certain medical expenses, but not all cases are reimbursed by medical insurance, and medical insurance also has "four guarantees". These four situations are not within the scope of reimbursement. Let's have a look!
First, instead of going to a designated hospital for medical treatment, the medical insurance card can only be used in designated hospitals. If you don't go to a designated medical institution for medical treatment, medical insurance will not be reimbursed. Then whether you are sick or buying medicine, you may have to pay for it at your own expense.
Second, there is no upper limit for medical expenses exceeding the upper limit of medical insurance reimbursement. China has a large population, which leads to great pressure on medical insurance reimbursement. Therefore, medical insurance will also set a reimbursement cap value, but in most cases, reimbursement is enough.
Third, medical expenses are lower than the lower limit of medical insurance reimbursement. Medical insurance has not only an upper limit, but also a lower limit. If your medical expenses are too low, you can't reimburse them. At present, the minimum payment line varies from 100 yuan to 1800 yuan all over the country, which needs to be formulated according to the actual economic development level of each place.
Fourth, special medical treatment, such as medical expenses incurred by the insured due to beauty and slimming, will not be reimbursed.