Smart medical insurance and medical insurance card are two different medical insurance payment methods. Smart medical insurance uses electronic health cards, WeChat or Alipay for payment, and can realize functions such as online reimbursement and mobile appointment registration. The medical insurance card is a traditional paper medical insurance card, which can only be swiped for settlement at medical institutions.
Smart medical insurance and medical insurance cards are currently two widely used medical insurance payment methods. There are big differences between the two in terms of usage, application scope, and functional features. First of all, smart medical insurance uses electronic health cards, WeChat or Alipay for payment, and operations such as online reimbursement, mobile appointment registration, and public hospital self-service machine settlement can be completed on the mobile phone. The medical insurance card needs to be collected at the medical insurance service window before it can be used, and the card can be swiped for settlement at the medical institution. Secondly, smart medical insurance is more comprehensive in terms of service functions, including reimbursement of various medical expenses such as outpatient services, hospitalization, examinations, and laboratory tests, as well as doctor consultation and other services. The medical insurance card can only be used to settle medical expenses. Finally, smart medical insurance is more convenient and efficient than medical insurance cards. Smart medical insurance users can pay and inquire anytime and anywhere without carrying heavy paper medical insurance cards; at the same time, using smart medical insurance can avoid waiting in line and improve the efficiency of medical treatment.
What is the difference in reimbursement ratio between smart medical insurance and medical insurance card? There is no obvious difference in the reimbursement ratio between smart medical insurance and medical insurance cards, and both follow the reimbursement standards stipulated by the state. However, smart medical insurance adopts an online reimbursement method, which is faster. Users can obtain reimbursement information and reimbursement amounts in a timely manner, making it easier to manage their own medical insurance accounts.
Smart medical insurance and medical insurance card are two different medical insurance payment methods, each with its own characteristics and advantages. Smart medical insurance uses electronic health cards, WeChat or Alipay for payment, and can realize online reimbursement, mobile appointment registration and other functions; while medical insurance cards are traditional paper medical insurance cards, which can be settled by swiping cards at medical institutions. There are differences between the two in terms of service functions, convenience and efficiency.
Legal basis:
"Social Insurance Law of the People's Republic of China" Article 7 Article 27 of the Social Insurance Law stipulates the payment period for retirees to enjoy basic medical insurance benefits Implemented in accordance with local regulations. For individuals who participate in employee basic medical insurance, when the basic medical insurance relationship is transferred and continued, the basic medical insurance payment years will be calculated cumulatively. Article 8 If the medical expenses incurred by insured persons at agreed medical institutions meet the basic medical insurance drug catalog, diagnosis and treatment items, and medical service facility standards, they shall be paid from the basic medical insurance fund in accordance with national regulations. If insured persons really need emergency treatment or rescue, they can seek medical treatment at non-agreed medical institutions; the scope of drugs necessary for rescue can be appropriately relaxed. Specific management measures for emergency and rescue medical services for insured persons shall be formulated by the coordinating region based on local actual conditions.