The main difference between publicly funded medical care and medical insurance is that the concept is different, the covered population, the scope of protection, the subject of the burden and the reimbursement ratio are all different. For example, we ordinary people are not qualified to enjoy publicly funded medical care at all. Publicly funded medical care is essentially different.

All are targeted at national civil servants, and the reimbursement ratio for publicly funded medical care is higher than that of ordinary medical insurance.

1. What is the main difference between public medical care and medical insurance? 1. Different concepts.

Medical insurance refers to social medical insurance.

Social medical insurance is a social insurance system established by the state and society in accordance with certain laws and regulations to provide workers within the coverage with basic medical needs when they fall ill.

The basic medical insurance fund consists of a pooled fund and individual accounts.

Publicly funded medical care refers to a social security system implemented by the state to protect state workers and provides free medical and preventive services to recipients through the medical and health department in accordance with regulations.

2. Cover different groups of people.

The population covered by medical insurance includes employees and residents, but public medical care is limited to civil servants.

3. The scope of protection is different.

Compared with medical insurance, public medical insurance has a wider coverage and a higher reimbursement ratio.

4. The burden subjects are different.

Publicly funded medical care is borne by the unit and included in the budget of the department; medical expenses incurred when the patient cannot go to a designated medical unit due to an emergency and must seek medical treatment at a nearby medical unit (national or collective).

Medical insurance is paid for by social security funds, and those who enjoy medical insurance are employees of enterprises and employees of former public institutions that have been divested.

5. Reimbursement ratios are different.

Publicly funded medical care is paid for by the employer and fully reimbursed.

Enjoy the medical expenses of public medical personnel at designated medical units (including bed fees, examination fees, medicine fees, treatment fees, surgery fees, etc.).

2. Inpatient medical insurance reimbursement process and precautions 1. When admitted or discharged, you must bring your medical insurance IC card to the medical insurance management window of each designated medical institution to complete the admission and discharge registration procedures.

When you are hospitalized, you need to pay a deposit for medical expenses in advance, and you will pay more or less after you are discharged from the hospital.

Medical expenses incurred before hospitalization registration procedures are not included in the payment scope of basic medical insurance.

If you fail to complete the hospitalization registration procedures in time due to emergency hospitalization, you should go to the medical insurance management window with the emergency certificate on the next day after admission to complete the hospitalization procedures (if it is postponed during holidays), any medical expenses that exceed the time limit will be borne by you.

2. The minimum payment line for the overall fund after the insured person is hospitalized: The standard for the minimum payment line varies from place to place. It is generally 10% of the average annual salary of the city's employees in the previous year. In a basic medical insurance settlement year, the accumulated medical expenses for multiple hospitalizations

calculate.

3. If the insured person needs to be transferred or transferred to another hospital due to his or her condition, he or she must be diagnosed by the deputy chief physician or department director of a designated medical institution above level 3 and put forward a referral (hospital) opinion. The unit where he/she works must fill out an application form and receive medical treatment from the designated medical institution.

The insurance management department will review and agree and then submit it to the municipal (district) social security agency for approval before going through the referral (hospital) procedures.

Transfers are limited to provincial hospitals, and the expenses must be paid in advance by the patient. The reimbursement standard must be 10% first, and then the reimbursable amount is calculated according to local regulations.

4. When discharged from a designated medical institution, each designated medical institution will calculate the medical insurance reimbursement amount and the amount that the individual should pay out of pocket in accordance with relevant policies. The reimbursement amount will be settled by the designated medical institution and the urban social insurance agency, and the individual should pay out of pocket.

The amount will be settled by designated medical institutions and the insured persons themselves.

National civil servants enjoy higher treatment than ordinary people in many aspects, so in this case, they should serve the people more responsibly.

At present, my country's medical insurance policy stipulates this way. Even if people are dissatisfied with this, they have no other way to complain and solve it.