第一次怎么用医保卡

How to Use the Medical Insurance Card for the First Time

医保卡对于我们的医疗保障至关重要，当我们第一次使用医保卡时，需要了解一些关键的步骤和注意事项。

When it comes to the medical insurance card, it is of great significance for our medical security. When using it for the first time, there are some key steps and precautions that we need to know.

首先，在就医的过程中，要提前表明自己的参保人员身份。告诉医院您属于哪种类型的参保人员，以便医院按照相关医疗保险报销规定为您进行治疗。同时，要选择符合医保卡住院报销的医院。如果在异地就医，病情缓解后，应及时转诊到医保指定的本地医院。

Firstly, during the medical treatment process, it is necessary to indicate your identity as an insured person in advance. Inform the hospital about the type of insured person you are, so that the hospital can treat you in accordance with the relevant medical insurance reimbursement regulations. At the same time, choose a hospital that is eligible for medical insurance card hospitalization reimbursement. If seeking medical treatment in a different place, after the condition improves, it is advisable to transfer to a local hospital designated by the medical insurance in a timely manner.

在病情危急的情况下，如果在非自己的定点医院住院抢救，需要在 5 日内到市医保中心办理急诊抢救病种认定。一旦认定属于急诊抢救病种，就可以用医保卡在抢救医院结算。

In case of a critical illness and hospitalization for emergency rescue in a non-designated hospital, it is necessary to go to the municipal medical insurance center within 5 days to apply for the recognition of emergency rescue disease types. Once it is recognized as an emergency rescue disease type, the medical insurance card can be used for settlement in the rescue hospital.

如果不需要住院，只是进行门诊手术，仍然可以使用医保卡，但需要先个人自费结算，诊治结束后，经社区劳动保障工作站报销。

If hospitalization is not required but only outpatient surgery is performed, the medical insurance card can still be used. However, personal out-of-pocket settlement is required first. After the diagnosis and treatment are completed, reimbursement can be obtained through the community labor security workstation.

另外，刚办理医保卡的职工在就医时，要特别注意向定点医院出示医保卡以证明参保身份和挂号。

In addition, for employees who have just obtained the medical insurance card, special attention should be paid to presenting the medical insurance card to the designated hospital to prove the insured status and register.

医保卡主要用于就医或药店消费时的身份确认及医保个人账户支付。在使用时，要确保医保卡已经激活。如果还未激活，可以按照相关流程进行激活，比如持本人社会保障卡、身份证明原件到对应银行营业网点激活，或者在医保定点医院使用社保卡直接启用社保功能。

The medical insurance card is mainly used for identity verification and payment from the personal medical insurance account during medical treatment or consumption at pharmacies. When using it, make sure the medical insurance card has been activated. If it has not been activated, it can be activated according to the relevant procedures, such as going to the corresponding bank business outlet with the original social security card and identification documents to activate, or enabling the social security function directly using the social security card at the designated medical insurance hospital.

总之，第一次使用医保卡可能会感到有些复杂，但只要了解相关规定和流程，就能顺利享受到医保带来的便利和保障。

In conclusion, using the medical insurance card for the first time may seem a bit complicated, but as long as you understand the relevant regulations and procedures, you can smoothly enjoy the convenience and security brought by medical insurance.