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If your medical insurance card fee has not arrived, there are many reasons, which may be that medical insurance has not arrived yet. In addition, the common reason is a system error, which leads to two medical insurance cards, that is, two accounts, and the expenses have been credited to the previous medical insurance card. You can go to the social security bureau counter for detailed inquiries. For other reasons, you can go to the bank to open the bank account number of the medical insurance card, and then bring your ID card and medical insurance card to the counter of the Social Security Bureau.

The medical insurance card has no initial password, but it needs to be activated. After getting the medical insurance card, you can activate it by opening the password at any bank counter. The function of medical insurance card is relatively simple, and it can only be used for drug purchase in pharmacies and settlement of outpatient and hospitalization expenses, while social insurance card is used for all social insurance businesses and is a voucher for handling social security business. (For example, social security card is required for hospitalization reimbursement).

There is a great difference between social medical insurance and commercial medical insurance. First of all, their basic attributes are different. Social medical insurance is universal and a public welfare undertaking. Generally speaking, when you sign a contract with an employer, the company buys you five insurances and one gold, including social medical insurance. In the medical insurance of commercial insurance, the insurance company aims at profit, which is not mandatory, and mainly relies on the commercial honor and strength of the insurance company to win customers. Second, the protection is different. Social medical insurance is characterized by low level and wide coverage, so the proportion and scope of reimbursement are strictly controlled, while commercial medical insurance is a high level of reimbursement, and the scope of reimbursement is wider than social medical insurance. Both inside and outside the social security catalogue and imported drugs at their own expense can be reimbursed, with a wider scope and greater reimbursement. Third, their insurance liabilities are different. The function of social medical insurance is to ensure the basic life of the general public. Its purpose is that people can get a certain proportion of medical insurance when they are sick and ensure social equity. Commercial medical insurance, on the other hand, insures medical expenses by signing a contract under the condition that the insured is completely voluntary, which is essentially a risk transfer.