To this day, the difficulty of seeing a doctor is still a major problem that plagues some rural families, and the phenomenon of poverty caused by illness and returning to poverty due to illness is still widespread in most rural areas. In order to improve this phenomenon and alleviate the economic pressure borne by patients and their families in terms of "medical treatment", after the continuous reform and improvement of the basic medical insurance system in recent years, medical insurance has become an indispensable "part" of more than 99% of rural families, especially for the elderly with chronic diseases, medical insurance is a heavy welfare!
As we all know, the basic medical insurance system is divided into two forms, one is urban and rural residents' medical insurance, and the other is urban workers' medical insurance. The former is commonly known as the "new rural cooperative" of the people, and only needs to pay on time according to the payment standards stipulated by the state every year, so that you can enjoy medical insurance reimbursement benefits in the next year; the latter is generally included in the social security system, and the proportion of medical insurance reimbursement for urban workers is relatively high, and it is divided into personal accounts and medical insurance fund pooling accounts, and the insured employees need to pay according to a certain payment base every month.
According to the current medical insurance policy, whether it is urban and rural residents' medical insurance or urban workers' medical insurance, the "social security card" is an important certificate for the insured to be hospitalized or reimbursed for drug purchase. It is no exaggeration to say that the importance of the medical insurance card in terms of medical welfare and protection has even exceeded the identity card, and has become the "standard" of almost everyone. It is reported that as of the end of March 2021, the number of social security card holders in the country has exceeded 1.34 billion, accounting for more than 95% of the national population, and since 2018, the medical insurance card has been gradually replaced by a social security card.
As a most basic and very fair medical insurance, although different insured persons choose to pay medical insurance according to different social security bases, the benefits reimbursed by the clinic at the same level of medical structure are uniform. Moreover, as far as urban and rural residents' medical insurance is concerned, although the amount of payment between different provinces will vary, the payment standard of a few hundred yuan will not cause economic difficulties for ordinary rural families, and individual payment can almost be said to be without any pressure.
In addition, for those who participate in the medical insurance of employees, those who have reached the statutory retirement age and have accumulated contributions to the number of years stipulated by the state can enjoy medical insurance benefits for life after their retirement, and the number of years of payment of medical insurance under normal circumstances is not less than 25 years for men and not less than 20 years for women. Moreover, by binding a social security card through Alipay or WeChat, you can directly pay for medical or medical expenses, and if you are hospitalized, you can directly enjoy a series of benefits such as reimbursement when discharged, which greatly reduces the medical burden.
As beneficiaries of the basic health insurance system, most people are able to comply with the law! However, a small number of people have started the idea of medical insurance funds, trying to divert the money in the medical insurance account of the social security card for other purposes, such as taking the money from the medical insurance account by "buying drugs on behalf of the person"; or brushing the money in the medical insurance account to buy products that are not related to medical treatment, but the registered information is to buy drugs. Obviously, this series of behaviors is explicitly prohibited by the state, and the practice of arbitrage of medical insurance account funds not only causes losses to the medical insurance fund, but also distorts the real use of social security cards, and even becomes a tool for some people to "accumulate wealth"...
In order to put an end to similar situations, the state has imposed strict restrictions on the consumption and use of social security cards in recent years and corresponding policy constraints, and the "new regulations" on the use of social security cards will be officially implemented from November! For example, the social security card strictly requires "one person and one card, one person and one use", that is, the insured's social security card is only allowed to be used by themselves, and when purchasing drugs or hospitalization reimbursement, it must be "matched with the person's certificate"! In addition, if you are purchasing medicines on behalf of others, you must present the identity card of the owner of the social security card.
Finally, we also need to remind everyone that with the continuous upgrading and improvement of the basic medical insurance system, some loopholes and deficiencies in the medical insurance policy have also been filled and repaired. For example, the two medical insurance systems of urban and rural residents' medical insurance and urban workers' medical insurance have gradually achieved "interconnection", and the phenomenon of using urban and rural residents' medical insurance reimbursement twice after using employee medical insurance reimbursement is likely to be gone forever! If the insured person in his life still cheats in various ways, then in the end, he is probably the only one who is damaged! What do you think about that? Feel free to post your thoughts in the comments section.