The scope of urban residents' medical insurance reimbursement refers to the agreed project expenses incurred by the insured in the designated medical institutions or retail pharmacies agreed in the contract, which will be included in the scope of urban residents' medical insurance fund reimbursement. Generally speaking, the project expenses stipulated in the medical insurance for urban residents include medical expenses incurred during hospitalization, medical expenses incurred within 7 days before emergency transfer to hospitalization, some medical expenses that meet the requirements of special diseases for urban residents, and some other medical expenses that meet the requirements.
Legal analysis:
1. When the insured is sick, especially seriously ill, the economic burden will be reduced to some extent.
2. When the insured is in good health, the insurance premium paid can be used to help other insured persons, thus embodying the spirit of "one person is sick and all families help each other".
3. Relieve the worries of the insured. In order to encourage urban residents to participate in insurance, urban residents who meet the insurance conditions are divided according to their insurance time, and different medical deductible periods are set.
Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.
The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.
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