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Can Beijing medical insurance only go to designated hospitals?

Can Beijing medical insurance only go to designated hospitals?

Beijing's 18 tertiary hospitals do not need to be designated hospitals to reimburse for medical treatment. In addition to these 18, there are 5 additional designated hospitals, of which one must be a community hospital. It can be used in any hospital, and it will be accumulated into social security. Outpatient services must be at designated hospitals.

A special account established in accordance with the basic medical insurance policy and used specifically to store the medical insurance premiums paid by the insured and the funds transferred in a certain proportion from the employer's contributions, and to record medical consumption. The funds in the personal account are used to pay for out-of-pocket expenses for medical treatment and drug purchases.

Extended information China’s basic medical insurance system implements a model that combines social pooling and personal accounts. In principle, basic medical insurance funds are coordinated at the prefectural and municipal levels. Basic medical insurance covers all urban employers and their employees; all enterprises, state administrative agencies, institutions and other units and their employees must fulfill their obligation to pay basic medical insurance premiums.

At present, the employer's contribution ratio is about 6% of the total salary, and the individual contribution ratio is 2% of his or her salary. Part of the basic medical insurance premiums paid by the unit is used to establish a collective fund, and part is transferred to the personal account; the basic medical insurance premiums paid by individuals are included in the personal account. The pooled fund and individual accounts respectively bear different responsibilities for medical expense payment.

The overall fund is mainly used to pay for hospitalization and outpatient treatment of some chronic diseases. The overall fund has a minimum payment standard and a maximum payment limit; the personal account is mainly used to pay for general outpatient expenses.