I don't think this problem can be reimbursed. On the first day of hospitalization in our city, the urban and rural medical insurance card was handed over to the medical insurance department of the hospital for the record. So you can enjoy medical insurance. In other words, you should have missed the reporting period of medical insurance accidents in this situation.

Secondly. Insurance shall take effect at 0: 00 the next day after payment. I'm not sure about social insurance. But according to the link you provided, the insurance is really effective. However, social medical insurance is not a commercial organization, and many terms are not as certain as commercial insurance. I hope you can call the local responsible institution for consultation. In many places, they have the final say in such things.