For office workers, it is very important to participate in social medical insurance, which can provide protection for medical expenses and is one of the main contents of health insurance. In addition to paying social security fees regularly, it is also crucial to know your own medical insurance account information!

How to use the balance of medical insurance account?

Medical insurance can generally be divided into two different accounts, namely, individual account and overall account. Details are as follows:

I. Personal account

The expenses that can be paid by personal accounts mainly include: outpatient and emergency medical expenses, medical expenses purchased by designated medical insurance retail pharmacies, medical expenses below the minimum deductible of the basic medical insurance pooling fund, personal commercial insurance, accidental injury insurance, etc. If it exceeds the minimum deductible line of the basic medical insurance pooling fund, the personal expenses payable shall be borne by me in proportion, and if the personal account is insufficient, it shall be paid by me.

Second, the overall narrative.

The expenses paid by the overall account mainly include hospitalization expenses, medical expenses of hospitalized patients within seven days before hospitalization after emergency rescue, radiotherapy expenses of malignant tumors, renal dialysis expenses and outpatient medical expenses of taking anti-rejection drugs after renal transplantation.

In addition, the insured should pay attention to the use of medical insurance cards, and no unit or individual may violate the requirements and scope of the use of medical insurance cards, and it is strictly forbidden to withdraw cash. And receiving treatment for alcoholism, suicide, self-harm and other reasons; Self-injury caused by fighting, drug abuse or other illegal acts; See a doctor in a non-designated medical institution or buy medicine in a non-designated retail pharmacy; Medical insurance will not pay for injuries caused by traffic accidents, medical accidents or other liability accidents.

How to check the balance of medical insurance account?

There are several ways for medical insurance to query personal account balance:

First, WeChat query

1, in the "Me" option, click on the wallet. 2. Click on the city service in WeChat wallet. 3. Click Social Security Query. 4. There are "insurance details information" and "payment information inquiry". 5. Click on the payment information query, you can see the social security payment last month and the unpaid situation in that month, and you can know whether the company helped pay the social security. 6. Click on the insurance details, and we can query the insurance pool information of this account. (such as the account amount, how many months of fees have been paid)

Second, Alipay query

1. Find "More" and click Enter. 2. Find "City Service" in the column of convenient life, and click. 3. Find the "social security service" option under the government affairs column, and click to enter the next page. 4. On the social security card service page, you can find the option of "social security card balance" and click Enter. 5. You can see the account balance on the balance inquiry page.

Third, other inquiries.

1. Insured employees can call 12333 to check the balance. 2. Inquiries can be made in designated hospitals and pharmacies in urban areas. 4. Website query: 1. Log in to the city's social security card information network. 2. In the user login interface, enter the personal social security card insurance number and password in the text box. The initial password is 123456. 3. Find the "Account Balance" option in the list on the left, and click it to see your medical insurance account balance on the right.

What are the conditions that medical insurance cannot reimburse?

We all know that medical insurance can be reimbursed, but not all cases can be reimbursed.

These four items are not within the scope of reimbursement:

1, did not receive treatment in the designated hospital.

As we all know, medical insurance cards can only be used in designated hospitals. Otherwise, no matter whether you are sick or buy medicine, you can't reimburse yourself, you can only pay for it yourself.

2. Medical expenses exceeding the medical insurance limit.

Due to the huge population base and the pressure of medical insurance reimbursement, there is also an upper limit for medical insurance reimbursement, but in most cases, this is enough.

3. The medical expenses are lower than the medical insurance reimbursement limit.

In fact, medical insurance not only has an upper limit, but also a lower limit. So the medical expenses are too low to be reimbursed. According to the actual level of national economic development, the starting point is generally between 100 yuan and 1800 yuan. If the cost is too low to reach the insurance threshold, you can only pay for it yourself.

4. Special medical care

Medical expenses incurred by the insured due to cosmetic surgery, weight loss and other reasons will not be reimbursed. In recent years, with the development of science and technology, people have more requirements for their appearance, so people all want to be better, but these are not included in medical reimbursement. As the new year begins, these new medical reimbursement regulations will take effect, and medical insurance will become more important. However, medical insurance is not everything, and the actual reimbursement depends on the actual situation. So pay close attention to the changes in medical insurance, remember that even if you pay medical insurance.

Today's knowledge sharing about medical insurance personal account inquiry is over. If you want to know more about insurance science, you can search for "Baibaojun" on Baidu. There is a professional insurance consultant team here, which can not only answer all kinds of insurance questions for you, but also tailor your own insurance products!