Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste. Insurance liability accidents need to be handled, and the insurance money will be paid in proportion.
Medical reimbursement for civil servants:
(1) outpatient service:
On-the-job insured:
1, first pay in the personal account of the current year;
2. The insufficient funds of the personal account in the current year shall be paid in full by the individual in cash, which shall be paid from the previous year's account and the expenses shall be paid from the previous year's account first.
3, when the cash payment (including calendar year accounts) accumulated to more than 1000 yuan outpatient deductible line, by civil servants Medicaid funds and civil servants in proportion to share, civil servants Medicaid funds to pay 80%, personal burden of 20%;
4. When 500 yuan is undertaken above the deductible line, 90% of the above part will be reimbursed to the unit.
Retired (retired) insured:
1, first pay in the personal account of the current year;
2. The insufficient funds of the personal account in the current year shall be paid in full by the individual in cash, which shall be paid from the previous year's account and the expenses shall be paid from the previous year's account first.
3. When the accumulated cash payment (including the accounts over the years) reaches the outpatient deductible line in 700 yuan, the civil servants' Medicaid funds will be shared with the civil servants in proportion, with the civil servants' Medicaid funds paying 85% and the personal burden 15%. Old workers who took part in revolutionary work before the founding of the People's Republic of China were paid 95% of the Medicaid funds for civil servants, and the personal burden was 5%.
4. When 500 yuan is undertaken above the deductible line, 95% of the above part will be reimbursed to the unit.
(2) Hospitalization and outpatient service for specific diseases:
1, medical expenses below qifubiaozhun shall be paid by personal account for years, and the insufficient part of personal account for years shall be shared by civil servants' Medicaid funds and civil servants in proportion, and employees shall be paid by civil servants' Medicaid funds for 80%, and the personal burden shall be 20%; Retired (retired) personnel are paid 85% by Medicaid funds of civil servants, and the personal burden is15%; Old workers who participated in revolutionary work before the founding of the People's Republic of China were paid 95% by civil servants' Medicaid funds and 5% by individuals.
2. The sum of personal burden (including hospitalization Qifubiaozhun) within one year, the incumbent 1 000 yuan, and the retired (retired) 800 yuan, the excess part shall be subsidized (in full) by the employer.
Retired cadres:
Retired cadres are not conceited, that is to say, they take care of themselves and pay their own expenses. Self-care was supposed to be reimbursed to the unit. At present, the operation is that the hospital directly keeps accounts, the hospital and the medical insurance center settle accounts, and the self-funded part is still borne by itself.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.