1. If you pay hospitalization insurance, you can only reimburse hospitalization expenses, but you can't get a refund;
2. If you pay the basic medical insurance, you will return a certain amount to the medical insurance card every month.
Medical insurance is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness". Medical insurance card is a special card for personal account of medical insurance, which takes personal ID card as the identification code and stores detailed information such as personal ID card number, name, gender, payment and account capital consumption.
Different medical insurance system construction methods are as follows:
1, correctly choose the form of cooperative medical care. There are four main forms of rural cooperative medical care: township management, village management, village joint office and village management. Judging from the implementation effect, carrying out "mutual assistance and mutual aid" within the scope of villages and towns has stronger risk resistance, more effective supervision and management, and gradually improved the degree of socialization.
2. Reasonably determine the reimbursement ratio and gradually improve the level of protection. The proportion of reimbursement shall be reasonably determined by the local cooperative medical management institution according to the amount of funds raised and the actual expenditure of medical expenses in the past, in accordance with the principle of "fixed expenditure based on income and slight savings".
legal ground
Article 83 of the Basic Medical Care and Health Promotion Law of People's Republic of China (PRC), the state establishes a multi-level medical security system with basic medical insurance as the main body, supplemented by commercial health insurance, medical assistance, mutual medical care for employees and medical charity services. The state encourages the development of commercial health insurance to meet the diverse health protection needs of the people. The state improves the medical assistance system to ensure that eligible people in need get basic medical services.