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Reimbursement ratio of critical illness insurance 2022
Legal analysis: First, the reimbursement rate of general outpatient service and the reimbursement rate of residents' general outpatient service: 1. In a natural year, the expenses of "residents" within 200 yuan shall be borne by individuals, 60% of the expenses between 200 and 900 yuan shall be paid in community hospitals and 50% in other hospitals; 2, residents over the age of 80, 65% in the community hospital fund, 55% in other hospital funds, 900 yuan above the cost borne by individuals. 3. "Students and children" pay 60% of the medical expenses in the outpatient department of community hospital 0-400 yuan; 4, in other hospitals, the fund pays 50%, and the expenses above 400 yuan are borne by individuals. The second is the proportion of reimbursement for serious illness in hospital. The proportion of reimbursement for serious illness in hospital for residents is 1, and the threshold for "residents" is 1000, 500 and 300 yuan respectively, and the proportion of fund payment is 65%, 85% and 90% respectively. 2. The minimum threshold for "students and children" is 500, 400 and 300 yuan in tertiary, secondary and primary hospitals respectively, and the proportion of fund payment is 80%, 90% and 95% respectively. Legal basis: Article 28 of the Regulations on Basic Medical Insurance for Urban Employees in People's Republic of China (PRC) is used to pay medical expenses beyond the scope of the overall fund; If the personal account is insufficient to pay, it shall be borne by me. Article 29 Hospitalization medical expenses for serious and serious diseases shall be paid according to the following methods: (1) Qifubiaozhun shall be controlled in principle at 9%-11%of the average social wage of employees in cities, counties and autonomous counties in the previous year; (2) The maximum payment limit is controlled in principle at 3-5 times of the annual average social wage of employees in cities, counties and autonomous counties. (three) medical expenses above the minimum deductible and below the maximum payment limit are mainly paid by the overall fund, and individuals bear a certain proportion. Give appropriate care to the proportion of retirees who bear medical expenses. The scope of serious diseases, the specific standards of Qifubiaozhun and the maximum payment limit, and the proportion of sharing medical expenses above Qifubiaozhun and below the maximum payment limit shall be determined by the provincial people's government. Thirtieth medical expenses below Qifubiaozhun and above the maximum payment limit shall not be paid by the overall fund.