The original intention of medical insurance is to ensure that our lives are guaranteed, especially after we get out of poverty, we cannot return to poverty due to illness.

Personal account family finance this time mainly refers to the basic medical insurance for employees. In the outpatient service of employee medical insurance, the scope of personal account funds is expanded within the guaranteed scope. It is mainly a personal account, which can provide more outpatient expenses to family members.

It can be included in medical insurance reimbursement, but the unit is not in the personal account. Then medical insurance supervision and management will be stricter, and beware of insurance fraud.

The embarrassing situation in the past is now very embarrassing, that is: for example, I participate in the employee's medical insurance, and the personal account money is also more, but my parents are in the new rural cooperative medical insurance in rural areas, which is now called

Medical insurance for urban and rural residents.

Now they can only pay for the outpatient expenses themselves without reimbursement. Then I can’t use up the money in my personal account, but I can’t directly use it for my family. Before this, when it came to using medical insurance to buy medicines for the elderly, it was said

It is suspected of being illegal, so I have no choice but to put my own money in the medical insurance card, and then have to pay separate cash to buy medicine for the elderly. This is an uncomfortable topic.

What about after the change?

And what about this year?

It just expands the channels for outpatient personal accounts. In this way, the personal accounts of employees in our homes can be used by the elderly, which can also effectively save some money. The personal accounts of medical insurance can also be used to coordinate family expenses.

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In fact, my country's medical insurance policy is still being continuously adjusted and improved, but the fundamental principle has not changed, which is to benefit the people and support people's livelihood.

Consider that personal billing unit payments will no longer be included in personal accounts, which may make some employees feel at a disadvantage.

However, it should be noted that the reduction in personal accounts will be compensated in the form of outpatient financial reimbursement, etc. Even for young employees who seem to be suffering at the moment, it may not be uneconomical to calculate the long-term accounts.

?On the surface, whether you are working or retired, less money will be distributed to everyone, which is detrimental to everyone.

However, residents with medical insurance do not have personal accounts, so this has no impact on them.

However, everything has two sides. Our personal accounts have decreased, but the money in the collective account has increased.

This time the "Medical Insurance Reform" mentioned that general outpatient services will be included in the scope of reimbursement, with at least 50% reimbursement.

Specifically, there are the following aspects: general outpatient service: colds and fevers, minor illnesses, routine examinations, etc., at least 50% of the reimbursement is reimbursed; outpatient chronic disease: hypertension, diabetes, hepatitis B, etc.; outpatient special disease: radiotherapy and chemotherapy for malignant tumors, uremic dialysis, etc.

Anti-rejection after organ transplantation, outpatient surgery, etc.