Overseas medical insurance is reimbursed according to relevant overseas laws and regulations. The medical expenses for overseas medical treatment are not included in the payment scope of the basic medical insurance fund and cannot be reimbursed locally. Therefore, if the parties are insured abroad, they need to bring the materials needed for reimbursement abroad according to relevant policies and regulations.

Most foreign medical insurance needs to issue a referral certificate, and of course a few regions support reimbursement. To see a doctor abroad, you need to bring medical insurance card, social security card, hospitalization invoice, diagnosis certificate, discharge summary and other materials to the local medical insurance center to apply for reimbursement.

The biggest difference between domestic and international medical insurance is the coverage. Domestic medical insurance is only reimbursed in China, but not in China. Domestic medical insurance is only open to domestic medical insurance and does not bear domestic medical expenses. Domestic medical insurance, whether in domestic hospitals or abroad, is not reimbursed. The biggest difference between domestic medical insurance and domestic medical insurance is the scope of protection. Domestic medical insurance only covers domestic medical insurance, which only covers domestic medical insurance and does not necessarily bear domestic medical expenses.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

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

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Article 30

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(three) shall be borne by public health;

(4) Go abroad for medical treatment.