The latest regulation of medical insurance in 222

1. Basic medical insurance: China's basic medical insurance is a social insurance system established and managed by the state, covering all residents in the country. The basic medical insurance is divided into two major systems: urban residents' medical insurance and new rural cooperative medical insurance. Insured persons pay a certain proportion of individual and unit contributions and enjoy the reimbursement and compensation of medical expenses provided by the basic medical insurance.

2. supplementary medical insurance: in order to make up for the deficiency of basic medical insurance and provide more comprehensive protection, some regions and units have set up supplementary medical insurance. Supplementary medical insurance is to provide some additional reimbursement and compensation for medical expenses on the basis of basic medical insurance.

3. Commercial medical insurance: In addition to basic medical insurance and supplementary medical insurance, individuals and enterprises can also purchase commercial medical insurance. Commercial medical insurance is a commercial insurance product provided by insurance companies, which provides more comprehensive medical protection and additional medical expenses reimbursement.

4. reimbursement and payment ratio: the basic medical insurance will stipulate different reimbursement and payment ratios according to the requirements of different projects and medical services. Generally speaking, the basic medical insurance will reimburse part of the medical expenses, and individuals need to pay a certain proportion of the expenses.

The process of medical insurance in China is generally as follows:

1. Enrolment registration: Residents need to register for medical insurance within a specified time according to local regulations. Generally speaking, urban residents need to register in the community where they live or related institutions, and rural residents need to register in the local rural cooperative medical institutions.

2. Payment: The insured shall pay the medical insurance fee according to the stipulated payment standard and time. Individuals and units are required to pay a certain proportion of fees, and the specific proportion is stipulated by the local authorities.

3. medical treatment: when the insured person needs medical treatment, he can choose the cooperative medical institution in the insured area for medical treatment. Medical institutions will provide medical services according to medical insurance regulations and policies.

4. Reimbursement and settlement: After seeing a doctor, the insured person needs to bring relevant medical invoices, expense details and other materials to the medical institution or community medical insurance center for reimbursement and settlement. Medical institutions will settle medical expenses according to the prescribed reimbursement ratio, and the insured personnel need to pay part of their own expenses.

5. reimbursement review: medical institutions or community medical insurance centers will review the reimbursement materials to ensure that they meet the prescribed reimbursement conditions and requirements. Generally speaking, after the approval, the medical insurance department will pay the reimbursement directly to the medical institution or return it to the insured in other ways.

to sum up, the specific medical insurance policies and regulations may vary according to the region, personal identity, nature of the unit and specific insurance products.

Legal basis:

Article 3 of the Social Insurance Law of the People's Republic of China

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

(1) Those that should be paid from the industrial injury insurance fund;

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

(3) It shall be borne by public health;

(4) seeking medical treatment abroad.