The money in the medical insurance card can be used to buy medicine, or at your own expense when you see a doctor. If you don't need to buy medicine or go to the clinic for treatment, you can't take it out, which means that the money in the medical insurance card can only be used for medical consumption, but now the money in the medical insurance card can be used by your family.
If the insured unit or the insured person interrupts the payment of medical insurance premiums, they will stop enjoying the medical insurance benefits paid by the medical insurance pooling fund from the next month 1 day, but the balance of their personal accounts can continue to be used, that is to say, the medical insurance will be suspended but the medical insurance card will not be invalid.
Finally, I remind you that the personal account funds in the personal medical insurance card over the years can be used to pay the medical security expenses of the spouses, children and parents of the employees' basic medical insurance participants. But the personal medical insurance card cannot be used to reimburse the medical expenses of family members.
Medical insurance card processing requirements
At present, there are three kinds of social security medical insurance cards in China, aiming at different groups of people. Urban workers can apply for medical insurance for urban workers with the same payment as the unit * * *, provided that urban workers, units and individuals pay the same fees and are organized by the unit. Urban hukou without medical insurance for urban workers can participate in medical insurance for urban residents. Generally, the new rural cooperative medical system can be handled in the community where the household registration is located. Generally, you can apply at the village Committee where the account is located.
Medical insurance card processing flow
1. Prepare application materials, such as original and photocopy of ID card, one-inch photo, resignation (or resignation) procedures, photocopy of household registration book, renewal of medical insurance card, medical records, etc. Of course, if you don't have it, you don't have to provide it. Everyone's situation is different.
2. Then go to the old-age insurance institution where the account is located to receive the social insurance financial subsidy form, fill it out carefully and hand it in, and submit all the prepared materials.
3. The staff will review the information provided by you, which usually ends on the same day, and then they will issue a payment receipt.
According to the bank information on the payment receipt, you can pay your insurance there every month. If you are afraid of trouble, you can apply for a bank card and transfer money regularly, so you don't have to go to the bank again.
Then you have to take the first payment slip to the medical insurance hall to get the medical insurance card. In some places, there will be medical records with your photos and steel seals on them, and you should take them with you every time you see a doctor.
Finally, you can transfer money to your bank card regularly every time, but you must remember that if you don't transfer money for more than three months, your medical insurance card will be frozen.
Materials required for handling medical insurance cards
First of all, the first payer should prepare the following materials:
1, Labor and Social Security Agency Agreement of local talent market
2. Original and photocopy of identity certificate (one copy);
3. One-inch photo (one photo).
Second, the renewal personnel should prepare the following materials:
1 and 2 are as before;
3, the basic old-age insurance relationship of employees transferred from the "declaration form" or "fund transfer list";
4 "Employee Pension Insurance Manual" or "Labor Contract System Employee Retirement Pension Insurance Fund Registration Form" (there is no original data of payment record issued by the manual or registration form);
5. The endowment insurance agency of this center (hereinafter referred to as the agency) shall go through the payment procedures according to the existing regulations.
3. The personnel transferred from other places shall prepare the following materials:
1 and 2 are as before;
3. "List of Fund Transfer" issued by the social security agency of the transfer place;
4. The transfer fund must be renewed by the agency according to the existing regulations.
Where to apply for a medical insurance card
The insurance card is 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.
How long does the medical insurance card take effect after it is processed?
Starting from the medical insurance qualification approval, the validity period is half a year; As for the proportion of reimbursement, each place is determined according to the fund income and expenditure level, medical price and level. Bian Xiao suggested that you'd better consult the relevant departments of the local social security center. But if you are sick and hospitalized, it should take effect one year later!
Matters needing attention in the use of medical insurance card:
1. The medical insurance card shall be properly kept, and shall not be bent, folded or scratched, and shall not touch magnetic objects (such as TV, stereo, magnetic buckle, etc.). ).
2. The medical insurance card is only for the insured's own use, and shall not be lent, fraudulently used, altered or forged.
3. When the medical insurance card cannot be used due to the equipment failure of the designated medical institutions or pharmacies, the medical expenses shall be paid by the individual in cash first, and after the failure is eliminated, the medical institutions or pharmacies with the original equipment failure shall re-settle according to the regulations.
4. If the insured person terminates the medical insurance relationship and cancels the household registration and medical insurance relationship in this city due to going abroad, the insured person or his family members shall return the medical insurance card to the city or county medical insurance center or service point for cancellation.