Medical insurance card is a magnetic stripe card, which is only used for medical treatment in medical insurance institutions. Social security card is an integrated circuit card with 8kb CPU, which has the functions of information storage, electronic certificate and information inquiry. It can also be used for medical treatment and real-time settlement. At present, it has been widely used in public security, social security, medical insurance, civil affairs, provident fund and other departments without having to apply for a medical insurance card after applying for a social security card.
The difference between social security card and medical insurance card;
In terms of content, the information of social security card includes personal basic information, employment information, labor contract management, wage income management, vocational qualification, endowment insurance, unemployment insurance, medical insurance, work injury insurance and maternity insurance, and employees can enjoy all kinds of labor security services with this card. The information in the medical insurance card only includes the basic medical insurance information of the insured and the funds in the medical account, and does not include other contents.
In terms of functional application, social security card has basic functions such as information recording, business handling, electronic certificate, information inquiry, etc., which records the basic information of the cardholder and related business information. Cardholders can handle employment, training and social security affairs online or offline with their social security cards, which can be used as electronic certificate for personal identity authentication. Cardholders can inquire about their basic information, employment information and various social insurance information through the card reading equipment of social security card service outlets. Matters that can be handled in the labor and social security department through the social security card include: employment registration, unemployment registration, application for unemployment insurance benefits, job registration, application for pension insurance benefits, application for maternity insurance, participation in vocational training programs subsidized by government funds, application for labor ability appraisal, application for qualification appraisal, medical treatment in designated medical institutions of basic medical insurance, dispensing or purchasing medicines in designated retail pharmacies, reimbursement of medical expenses alone, and handling other labor and social security affairs with the card; Medical insurance cards only record and store the funds and usage of individual medical accounts, seek medical treatment in designated medical institutions of basic medical insurance, and dispense or purchase medicines in designated retail pharmacies, excluding other social security matters.
Social security cards are currently mainly used in the field of basic medical insurance. Generally speaking, compared with the traditional medical insurance card, the biggest advantage of social security card is that it can be settled in real time.
Take Shenzhen as an example. In the past, the insured had to pay in advance, and the reimbursement process took at least two or three months. For hospitals and employers, outpatient medical expenses must be manually audited and settled, and employers have to collect and sort out expense documents before submitting them to the agency, which invisibly increases the workload.
With the social security card, the insured does not need to bring a lot of cash to the hospital, because the social security card has achieved zero advance. After holding a card for medical treatment, patients only bear the medical expenses paid by individuals and at their own expense, and the expenses that should be reimbursed are directly settled by medical institutions and medical insurance departments. The reimbursement problem that used to take several months to solve may now be easily solved in just a few tens of seconds.
Another big drawback brought by medical insurance card is that each hospital has its own way, and the medical cards between different hospitals cannot be used universally, which brings inconvenience to patients.
Serving the people and facilitating the people has always been the ultimate goal of our country, so in order to serve the people, social security cards can replace medical cards and realize one-card medical treatment. Because the social security card has the functions of information recording and information inquiry, it can store the data of patients' previous medical treatment, and the social security card has become a continuously recorded electronic medical record, which is beneficial for doctors to better understand the medical history and conduct diagnosis and treatment.