Secondary reimbursement means reimbursement for medical expenses that have been compensated once.

Secondary reimbursement refers to the second reimbursement of the medical expenses of the insured after the medical expenses have been compensated once.

This kind of compensation is usually applicable to the following situations: the original compensation plan was relatively conservative and the set compensation ratio was low, resulting in a large balance of medical funds; in order to improve the benefits of insured persons, all insured persons who have received compensation will be compensated at the end of the year.

Personnel receive a fixed proportion of additional compensation.

In addition, if the insured person incurred high medical expenses in the previous year, in addition to the normal reimbursement, they can also apply for secondary reimbursement from critical illness insurance. This part of the reimbursement is usually borne by the unit where the insured person works.

The reimbursement ratio varies depending on regional policies, but in general, the reimbursement ratio is 50% for expenses exceeding the threshold to 50,000 yuan (inclusive), and the reimbursement ratio for the part exceeding 50,000 yuan is 60%.

General steps of the reimbursement process: 1. Prepare relevant bills and supporting materials; 2. Fill out the reimbursement application form; 3. Submit it to the finance or designated reimbursement department; 4. Review the authenticity and compliance of the reimbursement materials; 5. Calculate the reimbursement amount

And carry out examination and approval; 6. After the examination and approval is passed, the reimbursement funds will be allocated.

To sum up, secondary reimbursement refers to the second reimbursement of medical expenses that have been compensated once. It is suitable for situations where the compensation plan is relatively conservative, the medical fund balance is large, and the insured person can apply when he or she incurs high medical expenses.

Secondary reimbursement of critical illness insurance.

The reimbursement ratio varies according to regional policies. Generally, the reimbursement ratio is 50% for expenses exceeding the minimum payment line and within 50,000 yuan, and the reimbursement ratio for the part exceeding 50,000 yuan is 60%.

Legal basis: Article 28 of the "Social Insurance Law of the People's Republic of China" that meets the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses shall be deducted from the basic medical insurance fund in accordance with national regulations.

Pay.

Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit.

The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.

Article 30 The following medical expenses are not included in the payment scope of the basic medical insurance fund: those that should be paid from the work-related injury insurance fund; those that should be borne by a third party; those that should be borne by public health; those who seek medical treatment abroad.