First, what is a large medical subsidy?
Large medical expenses subsidies are actually large medical expenses, also known as employee medical insurance for serious illness.
On the basis of medical insurance for employees, employees with work units can participate in large medical expenses subsidies. Large medical expenses can be reimbursed for some medical expenses that exceed the ceiling line of employees' basic medical insurance, which is essentially a supplementary medical insurance.
Large medical expenses subsidies need to pay additional insurance premiums, which are managed separately from the basic medical insurance for employees. Generally, it is paid once a year, and the premiums that need to be paid in different places are different, which is about tens of dollars a year.
Second, what role can a large medical subsidy play?
Large medical expenses subsidies can be reimbursed by individual departments at their own expense after medical insurance reimbursement, and there are two main responsibilities for reimbursement:
1. outpatient medical expenses subsidy: generally, only some special outpatient or outpatient operations, such as kidney dialysis, organ transplantation and cancer chemotherapy, are reimbursed. After the employee's basic medical insurance is reimbursed, the part between 1500~ 10000 yuan can be reimbursed with large medical expenses subsidies, and the reimbursement ratio is generally around 40%.
2. Subsidy for hospitalization medical expenses: individuals who exceed the deductible can subsidize at their own expense. Generally, tertiary medical institutions can subsidize 20%, secondary medical institutions can subsidize 30%, and primary medical institutions can subsidize 40%. You can also reimburse medical expenses that exceed the top line of basic medical insurance, and the reimbursement ratio is about 90%.
3. What is the difference between large medical expense subsidies and residents' serious illness medical insurance?
Large medical expenses subsidies and residents' serious illness medical insurance subsidies are mainly different in payment methods and reimbursement standards:
1, payment method: large medical subsidy needs to be paid extra by yourself, and it needs to pay tens of yuan a year; Residents' medical insurance for serious illness does not require additional payment and is directly included in residents' medical insurance.
2. Reimbursement standard: Large medical expenses subsidy is to subsidize the part that exceeds the maximum payment limit of basic medical insurance; Residents' medical insurance for serious illness is to reimburse medical expenses for 20 specific diseases, and to reimburse serious illness expenses for the second time.
What is the large-scale medical subsidy and what can be done? That's all. In fact, the large medical subsidy is the employee's medical insurance for serious illness, which can subsidize the medical expenses for lack of land, exceeding the cap line of basic medical insurance.