1. See a doctor at your own expense first, and the medical expenses shall be borne by the patient;

2. Students who hold Harbin Student Insurance Certificate can go to the designated medical institutions of provinces, cities, districts and counties (including development zones) for treatment during the insurance period, provide the original insurance certificate, the original valid certificate, a copy of outpatient medical invoice, a copy of outpatient prescription and other materials, fill in the application form, and obtain claims;

3. Choose the outpatient payment method as self-expense first and then reimbursement;

4. When paying, the self-payment ratio is 20%, and the insurance company pays 80%.

It should be pointed out that:

When using the 380 clinic, you need to choose a designated medical institution to see a doctor, provide relevant materials, and handle it according to the regulations.

Medical insurance reimbursement conditions:

1. Confirm the insured status: before seeking medical treatment, you need to confirm that you have participated in local medical insurance, which can be confirmed by means of social security card and medical insurance certificate;

2. Medical category: Medical insurance generally only reimburses therapeutic medical behaviors, such as outpatient service, hospitalization, surgery and examination. Some cosmetic medical behaviors, such as dental beauty and plastic surgery, are usually not covered by medical insurance reimbursement;

3. Medical expenses: Medical insurance will only reimburse medical expenses that meet the requirements, such as medical expenses, medicine expenses, examination expenses, operation expenses, etc. Personal expenses, medical insurance will not be reimbursed;

4. Hospital qualification: Medical insurance will only reimburse the medical expenses of legally operated medical institutions, such as public hospitals and qualified private hospitals. Medical insurance will not be reimbursed for illegal medical institutions or clinics.

Medical insurance reimbursement documents are:

1, original ID card or social security card;

2, the original certificate of disease diagnosis issued by the designated medical institutions;

3, outpatient medical records, inspection, test results report and other original medical information;

4. Original receipt of outpatient charges of medical institutions with unified finance and taxation;

5. The detailed list of outpatient expenses printed by the hospital computer or the original payment of prescriptions issued by doctors;

6. Designated pharmacies: unified original invoices and computer-printed sales lists of taxable goods;

7. If it is an agent, you need to provide the original ID card of the agent.

To sum up, the social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in different places to facilitate the insured to enjoy basic medical insurance benefits.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.