In principle, the medical insurance card can't be used by the whole family, but only by myself.
Social medical insurance card, referred to as medical insurance card or medical insurance card for short, is a special card for personal account of medical insurance. With personal ID card as the identification code, it stores and records detailed information such as personal ID card number, name, gender, payment and consumption of account funds.
the medical insurance card is undertaken by the local designated agent bank, which is a kind of multifunctional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank with the personal account payment at the end of the month to allocate it to the personal medical insurance card of the insured employees.
How to use the medical insurance card:
1. Scope of use of the medical insurance card: When the insured employees buy medicines in designated hospitals and pharmacies, they can swipe their cards on the POS machine with their passwords, but they cannot withdraw cash or transfer money.
2. Inquire about the balance of medical insurance card: Insured employees can inquire about the balance by calling, or at Bank of China savings office or designated hospitals and pharmacies in urban areas. You can also log in to the social security inquiry system online.
3. Inquiries about medical insurance card transactions: Insured employees can go to the savings office of Bank of China to print medical insurance card transaction records, including personal account payment records and consumption records, with their ID cards and medical insurance requirements. If you have any questions about the transaction records, you can go to the retail business department of Bank of China for enquiries.
4. medical insurance card password: if the insured employee changes the password, he can make a phone call to modify it, or he can bring his ID card to the Bank of China savings office to modify it. If the insured employee forgets his password, he can report the loss of the original password and change it with his ID card at the Bank of China Savings Office.
5. custody of the medical insurance card: the insured employees should take good care of the medical insurance card. If they lose it carelessly, please immediately issue a certificate letter to the unit and stamp it at the medical insurance office for confirmation. Then, they will report the loss to the Bank of China Savings Office with their ID cards, and go through the replacement procedures. After 7 days, they can get a new card.
when the transaction times of the medical insurance card reach 6 times, the insured employees must go to the Bank of China Savings Office to print the transaction records, otherwise, the use of the card will be stopped. After the transaction records are printed, the card can continue to be used.
Only when you pay 1% by yourself in the pharmacy can you enjoy the reimbursement rate when you are hospitalized (it must be within the scope of medical insurance). Hospitalization within the scope of medical insurance, according to the actual amount of expenses, such as: spending 1 thousand reimbursement between 55% and 65%.
Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.