How to apply for a newborn medical insurance card? New parents must know

Newborn babies have low immunity and are prone to illness, which is a big burden for families that are not wealthy. In fact, newborn babies have medical insurance cards, which can help parents save some expenses. The following editor will introduce the process of applying for a newborn medical insurance card in detail.

How to apply for a newborn medical insurance card

To apply for a newborn medical insurance card, you need to prepare a registration photo, bank card, and the household registration booklet of the newborn and his or her parents. Go to the baby's registered place of residence to fill out some application forms, and then present copies to determine eligibility for insurance.

Speaking of newborn registration photos, some parents just take a few photos of their baby with their mobile phones or take out their baby's full-month photos. This is actually not acceptable.

The registration photo requires a red background. So you should take your child to a nearby photo studio to take the photo. Basically, you will need six to eight photos. Only one or two photos will be used for the medical insurance card. You can keep the rest for other information for your baby.

After applying for a medical insurance card, you will pay part of the money and the government will subsidize part of the money. You can use this money to buy medicine. Children have relatively poor resistance, so you can get financial subsidies when applying for a medical insurance card.

If your baby is sick and hospitalized, you can get reimbursement according to a certain ratio after applying for a medical insurance card. The reimbursement ratios for first-level, second-level, and third-level hospitals are 80%, 70%, and 60% respectively. The maximum payment limit of the pooling fund is 50,000 yuan, and the maximum payment limit of major disease medical insurance is 100,000 yuan.

Tips for Newborn Medical Insurance Card

Compared with the urban resident medical insurance for adults, people know very little about the medical insurance for newborns and children. In the first few months after the baby is born, new parents are busy with their daily life and often forget to apply for medical insurance for their children.

The majority of newborns are healthy, so there are few opportunities for medical insurance cards to be used. In fact, if the mother participates in the urban resident medical insurance, the newborn within three months can enjoy the mother's medical treatment.

If the mother participates in the New Rural Cooperative Medical Insurance, the newborn can also enjoy the mother's medical insurance in the payment year of delivery. Compared with using their own medical insurance card, the number of newborns sharing the mother's medical insurance is relatively high.

Experts remind "new" parents that if they have not promptly applied for medical insurance for their children three months after the birth of their newborns, the medical expenses will not be reimbursed. The medical insurance policy covers newborns, ensuring medical treatment.

In terms of medical treatment, newborns are treated the same as children, adolescents and college students. When a child is discharged from the hospital, they can present their medical insurance card for timely reimbursement, following the same procedures as adults.

When to apply for the baby medical insurance card

It is best to apply for it within three months after the baby is born, because many places have opened a "green channel" for infants, that is, if the medical insurance card is applied for within three months after the baby is born, the medical insurance benefits will be counted from the date of birth. If the application is made after three months but less than one year old, then the medical insurance benefits will be enjoyed from the next month. If the application is made after one year old, then you have to wait until January 1 of the following year to enjoy the medical insurance benefits. How to apply for a baby medical insurance card

Go to your community to get the Urban Resident Basic Medical Insurance Participation Registration Form, fill in the relevant information, and bring the following materials:

Household registration booklet and its copy. You must bring the original and a copy of the household registration booklet. The copy must be a copy of the first page of the household registration booklet and the page for the baby;

ID card and copy/ID card number. Generally, you need your ID card to apply for medical insurance, because some places have different age requirements for ID cards. If you don’t have an ID card, you need to provide your ID card number;

Four 2-inch photos of the guardian and the insured. (Requirements vary from place to place, please check the local implementation rules of the basic medical insurance for urban residents)

Various documents to be processed from pregnancy to baby's birth

Perinatal Health Handbook Birth Permit

Birth certificate registration

Only child certificate Vaccination certificate

Medical Insurance Card Children's Health Handbook

Systematic Observation Card for Children Aged 0-3