Basic medical insurance is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the payment of employers and individuals. After the insured person suffers from medical expenses, the medical insurance agency will give certain economic compensation to avoid or reduce the economic risks caused by illness and treatment.

The reimbursement ratio of medical insurance hospitalization for employees is as follows:

When outpatients with mental illness go to the designated hospital of their choice, they must issue a citizen card and hang the number of "Medical Insurance Psychiatry Specialist". Within the scope of the basic medical insurance payment, the fees for psychiatric specialist diagnosis and treatment (including examination and medication fees) do not need to be paid by individuals, and the medical insurance department of the municipal social security center will settle with the hospital according to the prescribed standards.

Seven kinds of mental patients who need to be hospitalized for mental illness are exempt from hospitalization Qifubiaozhun, and one third of the medical expenses that are paid by individuals according to regulations in medical insurance coverage are paid by the serious illness medical assistance fund, the employer and the individual.

the medical expenses of mental patients with physical diseases shall be implemented according to the provisions of basic medical insurance. Long-term overseas personnel, outpatient mental illness according to the monthly 16 yuan standard quota contract use, each year through the unit to individuals.

Secondary subsidy for hospitalization expenses

For the hospitalization expenses that meet the requirements of employees' medical insurance, in a natural year, 55% of the amount paid by individuals is subsidized by the serious illness medical assistance fund, and the maximum subsidy amount is not more than 6, yuan/person-year. For retired (post) personnel over 8 years of age, the amount paid by individuals is more than 2, yuan, and 6% is subsidized by the serious illness medical assistance fund, with the maximum subsidy amount not exceeding 7, yuan.

if the patient is hospitalized for the second time in a natural year, the minimum threshold will be reduced by 5%; The third and above hospitalization, exempt from Qifubiaozhun.

before the founding of the people's Republic of China, the individual share of retired old workers who participated in revolutionary work was 1% of the employees.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.