With the improvement of the social security system, primary school students can now apply for medical insurance cards. Primary school students only need to submit materials as required to apply for medical insurance cards. However, the scope of use and medical reimbursement of primary school students' medical insurance cards is also very strict, and eligible students can apply for reimbursement. Next, I will introduce the use of primary school students' medical insurance cards.
First, how to handle primary school students' medical insurance?
Newly insured students can receive the Registration Form for Primary and Secondary School Students to Participate in Medical Insurance at school or download it from the website of the center, and then submit the completed form, copy of ID card or household registration book and my recent one-inch bareheaded photo to the school for summary. After that, the municipal medical insurance center will make a "social security card" and hand it over to the school for distribution. Students can use this card to handle residents' medical insurance payment business at bank outlets, or through self-service payment, online banking and entrusted withholding.
Insured students hold their social security card (or medical insurance card) to the bank outlets to handle the payment of residents' medical insurance renewal, or through self-payment, online banking or entrusted withholding. Some students who have not applied for medical insurance should apply as soon as possible.
Second, how to use the primary school medical insurance card?
1. When the money in the medical insurance card is used to buy medicine, it will be directly deducted from the medical insurance card. If there is enough money in the card, there is no need to pay cash. Not a discount card like a membership card. In fact, it's just the insurance premium you usually pay in proportion. To put it bluntly, it is the money you paid in, so the money in Cary belongs to you. Just for a special purpose. It can only be used to buy medicine to treat diseases, and it can also be inherited.
2. Hospitalization or drug purchase Not all medical care and drugs can be paid by medical insurance card, which depends on the local medical insurance catalogue. The purchased drugs and medical treatment items must be in the local medical insurance catalogue before they can be paid by medical insurance card. If the purchased drugs are not in the local medical insurance catalogue (that is, self-funded drugs and self-funded medical treatment items), they cannot be paid by medical insurance cards, and medical insurance cards can only be used in hospitals or pharmacies designated by local medical insurance centers.
3. Whether to enter the drugs or medical treatment items in the local medical insurance catalogue can be searched on the website of the local social security (medical insurance) center or on the touch screen of the lobby of a large regular non-profit hospital.
Third, the coverage of primary school medical insurance
1, hospitalized
Insured students must be certified to the designated hospital for medical treatment. The hospitalization expenses that meet the admission criteria shall be borne by the individual first, and the part above Qifubiaozhun shall be paid by the residents' medical insurance fund according to the regulations. The compensation ratio is as follows:
First-class hospital: The minimum deductible is 100 yuan in the same insurance year. For expenses above the minimum deductible, 70% of Class A expenses and 60% of Class B expenses are reimbursed.
Secondary hospital: In the same insurance year, the minimum deductible standard for the first hospitalization is 300 yuan, and the minimum deductible standard for the second and above hospitalization is 150 yuan. Above the minimum deductible, 60% of class A expenses are reimbursed, and 45% of class B expenses are reimbursed.
Tertiary hospitals: within the same insurance year, the deductible standard for the first hospitalization is 500 yuan, and the deductible standard for the second and above hospitalization is 250 yuan. Above qifubiaozhun, 50% of expenses in category A and 40% of expenses in category B shall be reimbursed.
2. Outpatient treatment for serious illness
Students suffering from malignant tumor, Parkinson's syndrome, severe mental illness, systemic lupus erythematosus, aplastic anemia, hemophilia, and insured students in the anti-rejection treatment period after organ transplantation and uremia period of chronic renal function can apply for medical insurance for urban residents. The outpatient department of serious illness implements the management of cost quota, and the expenses within the quota are reimbursed by 50%.
Through the understanding of the above contents, I believe everyone knows how to use the primary school medical insurance card. Handling medical insurance cards for primary school students is to provide a guarantee and convenience for primary school students. Children are the future of the motherland and the hope of the family. It is also the responsibility of society to protect the health of primary school students and provide convenience for their medical care. It is also the responsibility of parents to know how to use the primary school medical insurance card.