"Second reimbursement" refers to the residents of urban residents' medical insurance or the new rural cooperative medical system. If they had high medical expenses last year, they can apply for serious illness insurance again in addition to normal reimbursement, and there is no capping line.

The second reimbursement of medical insurance refers to that after the reimbursement of basic medical insurance, some funds such as retirees and military disability subsidies will report the amount that needs to be paid by individuals again according to the corresponding proportion. In fact, it is the reimbursement of supplementary medical insurance. That is to say, the hospitalization expenses (including family beds and medical treatment outside the city) that have been settled in the hospital within one year, and the accumulated part of the individual's self-paid expenses minus the part of Class C expenses above 1, yuan can enjoy the second subsidy of the medical insurance fund.

Second reimbursement process of medical insurance:

First, reimbursement of outpatient and emergency expenses?

The deductible for large medical mutual assistance (outpatient and emergency) is 2, yuan for employees and 1,3 yuan for retirees. If the accumulated outpatient and emergency expenses within one year are less than 2, yuan for employees and 1,3 yuan for retirees, the insured shall pay them from personal accounts. If the amount above the deductible is reached in a natural year, the large-scale medical mutual aid system can be applied < P > II. Reimbursement of hospitalization expenses?

according to the regulations, when the basic medical insurance is used to pay the hospitalization expenses for the first time in a year, the deductible amount of both active and retired people is 13 yuan. The medical expenses for the second and subsequent hospitalizations shall be determined according to the threshold of 5%, which is 65 yuan. The maximum payment of the basic medical insurance pooling fund (hospitalization expenses) in a year is currently 7, yuan. The personal payment ratio of retirees is 6% of the personal payment ratio of employees, but the part below the minimum threshold is the same, all of which are paid by individuals. The standard of hospitalization reimbursement is related to the level of the medical institution where the insured person lives. ?

note: outpatient service and hospitalization are two deductible lines.

3. How much does the hospitalization expense exceed the maximum payment limit?

if the hospitalization expenses of the insured are more than the maximum payment limit, the excess expenses will be reimbursed according to the relevant standards of large-scale medical mutual assistance, that is, 7% will be paid by large-scale medical mutual assistance funds and 3% by individuals. Within one year, the cumulative maximum payment for large-scale medical mutual assistance is 1, yuan.

Information required for the second reimbursement of medical insurance:

When receiving the second subsidy, please hold the original and photocopy of the second-generation resident ID card of the person who enjoys the second subsidy and my local bank card or passbook (except the rural commercial bank account number); If it is not handled in person, the original and copy of the agent's second-generation resident ID card are also required.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.