First of all, we should understand that the cross-regional use of medical insurance card means that when I seek medical treatment in other regions, I can use my medical insurance card to settle accounts in the original insured place. However, when using medical insurance cards in different places, the following conditions need to be met:
Medical institutions seeking medical treatment in different places must meet the qualification requirements for designated medical insurance, and have medical insurance cooperation agreements with the medical insurance institutions where the insured person is located.
The insured must have paid the medical insurance premium in the original insured place, and the medical insurance institution in this place has entered its information into the medical insurance system.
When the insured person is seeking medical treatment in a different place, he/she needs to use his/her own medical insurance card for settlement, and then transfer the card to the medical insurance institution before settlement.
The settlement of medical expenses in different places will be implemented according to the medical insurance policy of the insured's location. The medical insurance policies in different regions are different, which may have an impact on expense reimbursement.
Although the medical insurance card has the function of being used in different places, not all medical expenses can be settled with the medical insurance card. For example, some high-end medical services, cosmetic surgery, physical examination and other projects may not be covered by the medical insurance policy, and the insured person needs to pay for it himself.
I hope the above content can help you. If in doubt, please consult a professional lawyer.
Legal basis:
"Detailed Rules for the Implementation of People's Republic of China (PRC) Social Insurance Law" Article 8.
The medical expenses incurred by the insured in the agreed medical institutions that meet the basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards shall be paid from the basic medical insurance fund in accordance with state regulations. If the insured really needs emergency treatment and rescue, he can seek medical treatment in a non-agreement medical institution; The scope of drugs that must be used for rescue can be appropriately relaxed. The specific measures for the administration of emergency and rescue medical services of the insured shall be formulated by the overall planning area according to the local actual situation.