No. When the insured person purchases medicine at the designated hospitals and pharmacies, he or she can swipe the card on the POS machine with the password, but cannot withdraw cash or transfer the money for use. There is no reimbursement for self-paid medicines, 80% reimbursement for Class B drugs, a limit on bed charges, and no reimbursement for some of the required examination and treatment fees.
When you present your health insurance card at a designated hospital to prove your insurance status and register, you don't need to pay for the reimbursement first, but you can settle the reimbursement directly between the health insurance company and the hospital, and only at the billing time, you will have to use the balance of the card or cash to pay for the out-of-pocket part.
The hospitalization reimbursement is subject to a threshold (10% of the previous year's average annual salary of the city's employees), which means that you need to pay for the threshold, and only the portion that exceeds the threshold can be reimbursed according to the local health insurance regulations, and the reimbursement rate varies from place to place.
Expanded information:
Reimbursement of health insurance cards:
1. Reimbursement is limited to medical expenses above hospitalization caused by illness and some accidents in designated hospitals. The reimbursement formula is: (total cost - threshold fee - out-of-pocket expenses - overspending) * (75 + age * 0.2)%, under normal circumstances, the actual reimbursement rate ranges from 20 to 60%.
2. The reimbursement amount of the health insurance card is 4 times of the average salary of the local social workers (cumulative value in 1 year).
3. The money in the medical insurance card can be used to buy medicines from designated pharmacies and pay for outpatient and emergency treatment, but it is not part of the reimbursement because the money in the card is the money in the individual account of the medical insurance.
4, major medical insurance reimbursement, the insured person suffering from a serious illness, in the city health insurance designated medical institutions, in line with the provisions of the city's health insurance, the individual part of the burden, included in the residents of the scope of payment of major medical insurance, the major medical insurance funds reimbursement of 50%. That is, the amount of reimbursement = out-of-pocket portion × 50%.
Baidu Encyclopedia - Social Medical Insurance Card
Baidu Encyclopedia - Medical Insurance (noun)