The money in the medical insurance card will not expire or become invalid. If it has not been used, it will always be in it. Moreover, the medical insurance system clearly stipulates that personal account funds can be accumulated and inherited. If The insured cannot use up the savings in the medical insurance card, and their descendants can continue to use it.
The money in the medical insurance card can be used to buy medicine, or to pay for out-of-pocket expenses when seeing a doctor. If it is not used to buy medicine or go to outpatient treatment, it cannot be withdrawn, which means that it is in the medical insurance card. The money can only be used for consumption, and it can only be used for medical expenses, but now the money in the medical insurance card can be used for family members.
If the insured unit or insured person stops paying medical insurance premiums, they will stop enjoying the medical insurance benefits paid by the medical insurance pooling fund from the 1st of the month following the interruption of payment, but their personal account The remaining balance can continue to be used. The above means that the medical insurance payment is terminated but the medical insurance card will not be invalidated.
Final reminder: The funds in the personal account in the personal medical insurance card over the years can be used to pay for the medical security expenses of the spouses, children, and parents of the employees' basic medical insurance participants. However, personal medical insurance cards cannot be used to reimburse family members for medical treatment
Requirements for applying for medical insurance cards
There are currently three types of social security and medical insurance cards in my country, which are aimed at different groups of people. Urban employees can contact their units to *To apply for urban employee medical insurance with the same payment, the condition is that urban employees, units and individuals*** pay the same fee, and the unit must organize and handle it. Those with urban registered permanent residence who do not have urban employee medical insurance can participate in urban resident medical insurance. Generally, in the community where the registered permanent residence is located If you are registered as a farmer, you can apply for the New Rural Cooperative Medical Insurance. Generally, you can apply for it at the village committee where your registered permanent residence is located.
Medical insurance card application process
1. Prepare application materials, such as original and copy of ID card, one inch photo, resignation (or resignation) procedures, and copy of household registration book , renew medical insurance card, medical records. Of course, if you don’t have one, you don’t have to provide it. Everyone’s situation is different.
2. Then go to the pension insurance institution where your household registration is located to receive the social insurance financial subsidy form, fill it in carefully and submit it, and submit all the prepared information.
3. The staff will review the information you provided, usually on the same day, and then they will issue a payment receipt.
4. 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 make regular transfers without having to go to the bank.
5. Then you have to go to the medical insurance hall to get your medical insurance card with your first payment slip. In some places, there will be a medical record with your photo and stamp on it. Just bring it with you when you go to see a doctor for the first time.
6. Finally, you can transfer money to your bank card regularly every time, but you must remember that if you do not transfer money for more than three months, your medical insurance card will be frozen.
Materials required for medical insurance card application
1. Those who pay for the first time must submit the following materials:
1. Local Talent Market "Agency Agreement on Labor and Social Security Matters" Book"
2. Original and photocopy of identity document (one piece);
3. One-inch original photo (one piece).
2. Renewal personnel need to submit the following materials:
1.2 The content is the same as before;
3. "Declaration form for transfer of employee basic pension insurance relationship" ” or “Fund Transfer List”;
4. “Employee Pension Insurance Manual” or “Registration Certificate of Retirement Pension Insurance Fund for Workers under Labor Contract System” (the issuance of the “Manual” or “Registration Certificate” has not been processed. Original data of payment records);
5. The pension insurance agency of this center (hereinafter referred to as the agency) will handle the payment procedures in accordance with current regulations.
3. Persons transferring from other places need to submit the following materials:
1.2. The contents are the same as above;
3. " "Fund transfer list";
4. To transfer funds, you must go to the agency to go through the renewal procedures in accordance with the current regulations.
Where to apply for a medical insurance card
The insurance card is handled by the local designated agent bank and is a multi-functional bank debit card. After the insured units pay the premiums, the local medical insurance department will entrust the bank to transfer the personal account funds to the insured employees' personal medical insurance cards at the end of the month.
How long does it take for the medical insurance card to take effect after application?
The effective period is half a year from the date of approval of medical insurance qualifications; as for the reimbursement ratio, it is determined by each locality based on the level of fund revenue and expenditure, medical prices and levels. The editor recommends that you go to the relevant departments of the local social security center for details. consult. But if you are sick and hospitalized, it should take one year before it takes effect!
Relevant matters needing attention when using the "Medical Insurance Card":
1. The "Medical Insurance Card" should be kept properly and should not be bent, folded, scratched, or come into contact with magnetic objects (such as televisions) , speakers, magnetic buckles, etc.).
2. The "Medical Insurance Card" is only for the insured person's personal use and may not be lent, used fraudulently, altered or forged.
3. When the "Medical Insurance Card" cannot be used due to equipment failure in designated medical institutions or designated pharmacies, the medical expenses will first be paid in personal cash. After the fault is eliminated, the medical expenses will be paid at the original medical institution or pharmacy where the equipment failure occurred. Provide for re-settlement.
4. If the insured person terminates the medical insurance relationship due to settling abroad (exiting) and canceling the city’s household registration, transferring the medical insurance relationship out of the city, or death, the insured person or his family members should submit the "Medical Insurance Card" should be returned to the municipal, district or county medical insurance center or service point for cancellation.