China's medical insurance is actually divided into a variety of, and the most common is the employee medical insurance, urban residents medical insurance and so on. For different types of medical insurance, the actual conditions of participation are different, the natural reimbursement scope, conditions, standards, these, is not the same. The first thing that you need to do is to get your hands on some of the most popular products that you can find on the market.
The specifics of the medical insurance card can be swiped in the hospital:
1, general medical insurance, including outpatient costs, medical costs, examination costs, etc.;
2, hospitalization insurance, the daily hospital fees, the use of hospital equipment, surgical costs, medical costs, etc.;
3, surgical insurance, to provide for the patient needs to do the necessary surgery and the total cost;
3, surgical insurance, provide for the patient needs to do necessary surgery and the total cost of the surgery. All costs;
4. Comprehensive medical insurance, which covers all costs of medical treatment and hospitalization and surgery, etc.
5.
Medicare is used in the following ways:
1. Visiting and hospitalization in designated hospitals. Medical expenses that are not covered by medical insurance and need to be borne by the individual can be paid from the individual account of medical insurance. (Except for cosmetic, bodybuilding, non-functional plastic surgery, orthopedic surgery, and all kinds of weight loss, weight gain, height increase and other non-disease treatment costs);
2. Receive preventive immunization Category II vaccines at designated medical institutions. Such as cervical cancer/HPV vaccine, influenza vaccine and other medical expenses can be paid with the individual account of health insurance;
3. At designated pharmacies. When purchasing medicines (permitted medicines, traditional Chinese medicine tablets), medical devices (Food and Drug Administration (FDA), Drug Administration (DDA), and disinfectants (Health and Consumer Protection (HCP)), you can pay with your health insurance personal account.
To summarize, when seeking medical treatment, present your health insurance card to the designated hospital to prove your insurance status, and when settling the bill, you will have to pay for the part of out-of-pocket expenses by yourself with your health insurance card or in cash, and the part of reimbursement will be settled by the health insurance and the hospital, so you don't need to pay for it and then reimburse it.
Legal basis:
Article 29 of the Social Insurance Law of the People's Republic of China
The portion of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be settled directly by the social insurance administration organization with the medical institutions and the drug business units.
The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.