According to relevant regulations, social medical institutions and public medical institutions implement the same medical insurance management policies, cancel the qualification examination of designated retail pharmacies and designated medical institutions for basic medical insurance, and relevant departments will issue specific implementation plans as soon as possible. Generally speaking, private hospitals can use medical insurance if they are designated by medical insurance. The medical insurance of private hospitals may not pay the medical expenses in full, and the medical expenses that medical insurance does not pay need to be paid by themselves.

According to the basic requirements of the payment of basic medical insurance benefits in China, the insured person who goes to the medical insurance institution to reimburse the medical expenses incurred by himself for medical treatment generally meets the following conditions:

1, the insured person must go to the designated medical institution of basic medical insurance or the designated retail pharmacy determined by the social insurance institution with the medical prescription issued by the doctor in the designated hospital.

2. The medical expenses incurred by the insured in the process of medical treatment must conform to the scope and payment standard of the basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards, so as to be paid by the basic medical insurance fund.

3. The medical expenses incurred by the insured that meet the payment scope of basic medical insurance shall be paid by the social medical pooling fund in a unified proportion, with the expenses above the Qifubiaozhun and below the maximum payment limit.

To sum up, private clinics can use medical insurance cards, but they must be designated medical institutions. If it is not a designated medical institution, you can't use a medical insurance card.

Legal basis:

Opinions on further promoting the development of social medical services.

Second, improve the level of social medical development. Encourage social capital to take the road of specialization, high-end and refinement, focus on developing specialized hospitals and high-end medical care, and realize complementary and misplaced development with public hospitals; Encourage the transformation and upgrading of social medical institutions, improve the level of standardization, standardization and modernization, and improve the quality of service; Encourage social capital to become bigger and stronger, and set up high-level and large-scale medical institutions or hospital groups.

People's Republic of China (PRC) social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.