The supplementary medical insurance purchased by the unit will be reimbursed from the supplementary medical treatment after the medical insurance reimbursement is completed.

Supplementary medical insurance is relative to basic medical insurance and includes various forms such as corporate supplementary medical insurance, commercial medical insurance, social mutual aid and community medical insurance. It is a powerful supplement to basic medical insurance and an important part of the multi-level medical security system.

component.

The medical expenses borne by individuals within the payment range of the basic medical insurance co-ordination fund (excluding the portion below the minimum payment standard) and the large-amount mutual aid fund for medical expenses (excluding the outpatient portion below 1,300 yuan) will be supplemented by retirees.

Medical insurance reimburses 50%, which means that half of retirees’ medical expense burden can be solved through unified supplementary insurance.

After the establishment of unified supplementary medical insurance, outpatient reimbursement for retirees under 70 years old will be increased to 85%, with 15% personal burden; for retirees over 70 years old, outpatient reimbursement will be 90%, with 10% personal burden. Taking level 3 hospitals as an example, 3

For hospitalization expenses below RMB 10,000, 95.5% will be reimbursed and 4.5% will be borne by the individual; between RMB 30,000 and RMB 40,000, 97% will be reimbursed and 3% will be borne by the patient; between RMB 40,000 and RMB 70,000, 98.5% will be reimbursed and 1.5% will be borne by the individual.

; 85% of hospitalization expenses exceeding RMB 70,000 can be reimbursed, with 15% of personal responsibility, capped at RMB 170,000.

Outpatient expenses of less than 1,300 yuan have been paid into the employee medical insurance personal account in advance, so they are not included in the scope of supplementary medical reimbursement.

The company's supplementary medical insurance is a welfare insurance that the employer voluntarily buys for its employees. Generally, individuals cannot buy it.

Enterprise supplementary medical insurance is complementary to the medical insurance in social security.

The specific amount of protection is determined based on the unit's own circumstances.

Once medical expenses are incurred, you need to go to a regular public hospital to see a doctor, and the receipts and medical records generated by the medical treatment must be kept, and then taken to the company for reimbursement.

Legal basis; Supplementary medical insurance refers to additional insurance on the basis of basic medical insurance. It is a powerful supplement to basic medical insurance and an important part of the multi-level medical security system.

Including enterprise supplementary medical insurance, commercial medical insurance, social mutual aid and community medical insurance and other forms of "Social Insurance Law" Article 27 Individuals who participate in employee basic medical insurance, if the cumulative payment reaches the nationally prescribed number of years when they reach the statutory retirement age,

After retirement, you will no longer pay basic medical insurance premiums and enjoy basic medical insurance benefits in accordance with national regulations; if you have not reached the nationally prescribed years, you can pay until the nationally prescribed years.

Article 28 of the "Social Insurance Law" The medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses shall be paid from the basic medical insurance fund in accordance with national regulations.