Hello, social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for personal account of medical insurance. It uses personal identity card as identification code, and stores and records detailed information such as personal identity card number, name, gender, payment and consumption of account funds. Take Zhejiang Province as an example, the close relatives of individual account families must be the insured of basic medical insurance in Zhejiang Province. It should be noted that close relatives here refer to spouses, children and parents, excluding father-in-law, mother-in-law, mother-in-law and collateral relatives. Family assistance can only be carried out when the insured and close relatives have normal medical insurance benefits. Medical insurance card can pay (1) the balance of personal account over the years can be used to pay the self-care, self-payment and therapeutic out-of-pocket medical expenses incurred by individuals in designated medical institutions in Zhejiang Province when their close relatives have no personal accounts or their personal accounts are insufficient over the years. For example, Uncle Li is a retired employee of an enterprise in our city. Due to repeated medical visits, his personal account balance was completely used up, and all out-of-pocket expenses were paid in cash. Uncle Li's wife, Grandma Wang, is a medical insurance participant for urban and rural residents in our city (there is no personal account for medical insurance), and all out-of-pocket expenses for going to the hospital must be paid in cash every time. According to this policy, their daughter Xiao Li (the employee medical insurance insured in our city) binds the medical insurance card to herself, and then goes to the hospital for outpatient treatment after realizing the personal account. The out-of-pocket expenses after medical insurance reimbursement can be deducted from the balance of Xiao Li's account. Insured persons can call 12333 for social security consultation or check the balance of medical insurance personal account through BOC savings office, designated hospitals in urban areas and pharmacies. Finally, if you are not clear about medical insurance, you can call the human resources and social security hotline 12333 for consultation.
legal ground
The General Office of the State Council issued the Guiding Opinions of the General Office of the State Council on Establishing and Improving the Economic Security Mechanism for Employees' Basic Medical Insurance Outpatients, stipulating that personal accounts are mainly used to pay out-of-pocket expenses of insured persons within the policy scope of designated medical institutions or designated retail pharmacies.