1, when entering or leaving the hospital, you must go through the registration formalities at the medical insurance management window of each designated medical institution with a medical insurance IC card;

Personal hospitalization should pay 2000 yuan in advance for medical expenses, and make up for it more or less after discharge. The medical expenses incurred before the hospitalization registration formalities shall not be included in the payment scope of basic medical insurance. If the emergency hospitalization fails to go through the hospitalization registration formalities in time, it should go through the hospitalization formalities at the medical insurance management window on the basis of the emergency certificate on the day after admission (holidays will be postponed), and the overdue medical expenses should be borne by itself;

2, the insured after hospitalization as a whole fund deductible is divided into three files:

Level III Hospital 1000 Yuan, Level II Hospital 600 yuan, Level I Hospital 400 yuan. In a basic medical insurance settlement year, the cumulative calculation of medical expenses for multiple hospitalizations;

3. If the insured person needs to be transferred (hospitalized) due to illness, he/she shall put forward the opinion of transfer (hospitalized) after being diagnosed by the deputy chief physician or chief physician of the designated medical institution (above Grade III), and the unit where he/she works shall fill in the application form and report it to the municipal (district) social security institution for transfer (hospitalized) after being approved by the medical insurance management department of the designated medical institution;

The transfer is limited to provincial specialized hospitals, and the expenses are paid by me first. The reimbursement standard is 10% first, and then the reimbursable amount is calculated according to local regulations.

4. When the designated medical institutions are discharged from the hospital, the reimbursement amount and the amount payable by individuals shall be calculated by the designated medical institutions, and the reimbursement amount shall be settled by the designated medical institutions and urban social insurance agencies, and the amount payable by individuals shall be settled by the designated medical institutions and the insured.

Hospitalization medical insurance includes:

China Merchants Bank Netcom Insurance reminds that hospitalization medical insurance is divided into reimbursement type and subsidy type. Reimbursement medical insurance generally refers to the insurance products in which the insured is reimbursed by the insurance company for bed fees, medicine fees, treatment fees, nursing fees, examination fees, special examination and treatment fees, ambulance fees and other expenses after hospitalization. Consumers are required to provide invoices and other relevant documents to the insurance company at the time of reimbursement.

To sum up, the subsidized type does not need invoice reimbursement, and the insurance company subsidizes according to the hospitalization days and purchase amount according to relevant regulations. Some insurance companies refer to this kind of products as hospitalization income protection insurance. The critical illness insurance that sells well in the market is also subsidized, and it is paid according to the insured amount, without invoices.

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.