Hospital credit card refund

Is it safe to transfer the refund of hospital settlement to China Merchants Bank credit card?

Yes, it's safe

The hospital settlement refund can be transferred out to China Merchants Bank credit card, which is very safe, so don't worry.

The credit card used for the deposit during hospitalization, where can I refund the remaining money after checkout?

See how the deposit is deducted:

First, if the deposit was pre-authorized, that is, it occupied the card limit, but there is no need to repay it temporarily, and no details can be found, then the settlement will be made with pre-authorization, and the actual amount paid will be deducted from the pre-authorization, and the remaining part will not occupy the card limit.

Second, if the pre-authorization is made by credit card, but the payment is finally made by other means, then the amount of pre-authorization will be restored.

Third, at that time, the payment was made directly by credit card, and the details could be found when the transaction was recorded. The cardholder's repayment method is not pre-authorized, so if there is a refund, it depends on the refund method chosen by the hospital, whether it is cash refund or credit card return.

Credit card pre-authorization refers to the transaction in which the card issuer or its agent confirms the permitted frozen amount before the deduction of the special merchant. Pre-authorization will occupy the credit limit of the card. When the customer settles the pre-authorization, the pre-authorization will be cancelled. Within 30 days of pre-authorization, if the customer fails to settle the account, the pre-authorization will be cancelled.

Credit card pre-authorization is a new transaction method. Generally speaking, it is a way of advance payment, which can be understood as "deposit". When consumers book hotels or air tickets with credit cards, banks will first freeze part of the funds in the credit cards as a "margin" for merchants' consumption. After the consumption is completed, the merchant can officially deduct this part of the funds after the cardholder signs and confirms.

However, if the consumer fails to confirm the pre-authorization in time, the merchant can apply to UnionPay for the completion of the pre-authorization before the bank can transfer the funds to the merchant's account.

Credit card pre-authorization-Baidu Encyclopedia

How to refund the outpatient credit card payment?

Take a credit card to the financial department of the hospital for a refund.

Generally speaking, after the discharge formalities, the hospital will refund the money to the original credit card. After paying the hospitalization expenses by credit card, the cardholder will directly refund the cash when leaving the hospital. If individual small hospitals can't refund cash, the extra part needs to be returned to the original card at the time of settlement, and the cardholder needs to take the credit card to the financial department of the hospital for a refund.

It is suggested that cardholders should not use the hospital to refund hospitalization fees to cash out the credit line in large amounts, because it is very likely to be frozen by banks on the grounds of transaction risk. Just pay the hospitalization fee appropriately, and don't spend too much money on the hospitalization fee.

I swiped my card at the hospital and paid it back the next day. What if I leave the hospital and get my money back?

The rules for using credit cards have an interest-free period, so you should make good use of the rules, and you don't need to pay them back directly. It is also possible to get a refund after discharge. Generally, it is returned to the paid bank card and becomes the overpayment of your credit card. There is a handling fee for overpayment and overpayment, so if there is overpayment and overpayment, don't take it out, and spend it first in the form of credit card consumption.

I checked in the hospital and paid, but it was a credit card. I want to return this money. Can I return it to my credit card?

If you pay by credit card in the hospital, if you want to get a refund, you can go directly to the collection window and get the cash directly, instead of returning it directly to your credit card.

The hospitalization fee will be paid by credit card. Will the medical insurance money be returned to the original card?

When the hospitalization expenses are paid by credit card, the medical insurance money will be returned to the original card, which is usually 15 working days.

Medical insurance refers to social medical insurance. It is a social insurance system that meets the basic medical needs of the state and society according to laws and regulations when workers are sick.

20 16 65438+ 10/2 the State Council issued "opinions on integrating the basic medical insurance system for urban and rural residents" to promote the integration of medical insurance for urban residents and the new rural cooperative medical system, and gradually establish a unified national medical insurance system for urban and rural residents. On February 20th, 2065438+0616, Ministry of Human Resources and Social Security held a video conference on the nationwide networking of basic medical insurance and direct settlement of medical treatment in different places, and signed letters of responsibility with the first batch of 22 provinces including Beijing, which applied for nationwide networking of basic medical insurance and direct settlement of medical treatment in different places, marking the formal implementation stage of direct settlement of medical treatment in different places. According to the statistical bulletin of June 20021year, the number of people participating in the national basic medical insurance in 2020 is 136 13 1 10,000, and the participation rate is stable at over 95%.

Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. The composition of social overall medical insurance: the payment base is m: wage income allowance for employees. The unit pays 8% m every year; Individual employees pay 2% m every year; The unit pays 8% m: 6.6% m to 7%M into the overall account (1%M to 1.4%M into the personal account)-hospitalization expenses; 2%M: 2%M of the salary paid by the individual goes into the personal account (plus the unit payment 1%M to 1.4% M)- outpatient expenses. Note: hospitalization expenses are reimbursed from the overall account, and the amount is the same for everyone; Outpatient expenses are deducted from personal accounts (that is, medical insurance cards), and everyone is different.

On May 2, 20 17, it was reported that Ministry of Human Resources and Social Security and the Ministry of Finance issued a notice requesting that the per capita medical insurance subsidy standard for residents at all levels should be increased to 30 yuan on the basis of 20 16 in 20 17, and the per capita medical insurance subsidy should reach 450 yuan every year. In 20 17, the per capita personal payment standard of medical insurance for urban and rural residents was raised in 30 yuan on the basis of 20 16, and the per capita reached 480 yuan every year.

So much for the introduction of hospital credit card refund.