1. The medical insurance is divided into two accounts, the individual account, embodied in the medical insurance card money, can be used to buy medicines at designated pharmacies, outpatient payment and hospitalization costs in the individual out-of-pocket payment; co-ordinated account, managed by the medical insurance center, the insured person occurs in line with the local medical insurance reimbursement of the cost of co-ordinated account payment
2. In the medical treatment, the designated hospitals show the medical card Proof of identity and registration, the part of the medical insurance reimbursement by the medical insurance and the hospital settlement, individuals do not need to pay before reimbursement, in the checkout, the part of the personal out-of-pocket payment by their own medical insurance card balance and cash
3. hospitalization reimbursement, there is a starting line (the starting standard for the city's employees in the previous year is generally 10% of the average annual wage), that is to say, the starting line of the money need to pay, over the starting line of the part of the money to pay Pay, more than the starting line of the part of the local health insurance to reimbursement, reimbursement rates are different, and different hospitals and different projects are not the same, can not be specific to you, about 80%, the details you can go to the local labor security network to understand.
Newly insured cards need to be taken out two months later, are you applying for urban workers' medical insurance, residents' medical insurance, or flexible employment workers' medical insurance which? Different kinds of enjoyment ratio and time are different oh. Take the flexible employment personnel health insurance, you must pay normal contributions for six months before enjoying hospitalization.
No matter which kind of health insurance, need outpatient medical treatment or hospitalization, you must go to a designated hospital - medical insurance designated hospital (or residence insurance designated). Such hospitals are processed by a unified health insurance system that reads cards.
The so-called health insurance card to see the doctor "reimbursement", not the original thought of cash with the invoice, but the health insurance system by reading the card to identify the cardholder's payment status, the identity of the person, in the outpatient payment or hospitalization settlement, the system automatically according to the documented percentage of the payment, the transfer of the cardholder's card on the personal account amount or the amount of money to be collected in cash. In other words, the medical insurance card to see a doctor without paying cash or less cash is the social security to you "reimbursement".
As for the specific payment ratio, the scope of the restrictions on a lot of, such as drugs, treatment sub-category A, B, self-funded, etc., "reimbursement ratio" is different; hospital level of hospitalization "threshold fee" is different; the first hospitalization within the year and subsequent hospitalization The "threshold fee" is different for the first and subsequent hospitalizations within a year; the "reimbursement rate" is different for those who are in service and those who are retired; and the "reimbursement rate" is different for civil servants and those who are not. ...... In any case, all the "reimbursement" conditions are unified health insurance system set up, will not be due to personal reasons or hospital reasons
Expanded reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"