How to report medical insurance

The reimbursement process of medical insurance is as follows:

1. The insured person should go to the designated medical institution for reimbursement procedures;

2. Submit documents such as ID card, medical insurance card, diagnostic certificates of illnesses, and the original documents of medical treatment;

3. If it is within the scope of medical insurance reimbursement, the medical institution will settle the bill directly.

Medicare cards are processed as follows:

1. The insured person brings his valid documents (ID card, household register, etc.) to the neighboring county medical insurance center to apply for the application, and the county medical insurance center will be completed on the spot.

2. Participants can also go to the neighboring street (town) health insurance service point (hereinafter referred to as the service point) to apply for processing on behalf of the service point will be completed within three working days. The participant should go to the service point within the specified time to collect the Medical Insurance Card that has been processed on behalf of the participant.

3. Participants can entrust others to do the processing on their behalf. The delegated person should bring along his/her own and the participant's valid documents when handling the application.

4. When the employer centralizes the process, the employer can go to the county health insurance center with a letter of introduction from the employer and the valid ID of the person who handles the process, and then the employer will send the health insurance card to the participant.

Precautions related to the use of the card:

1. The card should be kept in a safe place and should not be bent, folded or scratched, and it should not come into contact with magnetic objects (e.g., televisions, stereos, magnetic clasps, etc.).

2. The Medical Insurance Card is for the sole use of the insured person and may not be lent, fraudulently used, altered or forged.

3. If the Medical Insurance Card cannot be used due to equipment failure of the designated medical institution or designated pharmacy, the medical fee will be paid by the individual in cash first, and then re-settled according to the regulations at the original medical institution or pharmacy where the equipment failure occurred after the failure is eliminated.

4. If a participant terminates his/her medical insurance relationship by going abroad and canceling his/her household registration, transferring his/her medical insurance relationship out of the city, or dying, he/she or his/her family members should return his/her Medical Insurance Card to the city, district or county medical insurance centers, or service points for cancellation.

Legal basis: Article 28 of the Social Insurance Law of the People's Republic of China

Medical expenses in accordance with the basic medical insurance drug list, diagnostic and therapeutic items, standards of medical service facilities, as well as emergency and rescue, shall be paid from the basic medical insurance fund in accordance with state regulations.

Article 29

The portion of the medical expenses of insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance administration organization and the medical institutions and 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.