In 2023, the new regulations of Henan medical insurance reimbursement pointed out that the proportion of medical insurance reimbursement for residents in first-class hospitals was 65%. The regulations cover students, children and people over 70 years old. These people can enjoy a 65% reimbursement rate for medical expenses incurred in a first-class hospital during the settlement year, and there is no threshold. The reimbursement rate of urban residents in first-class hospitals is 65%, and there is no threshold. This means that 65% of the medical expenses of the relevant people receiving treatment in the first-class hospitals can be reimbursed by medical insurance.

Resident medical insurance reimbursement process:

1. When patients are hospitalized, they will show their medical insurance cards or related certificates;

2, the hospital according to the patient's medical insurance type and treatment project, directly in the system for cost settlement;

3, medical insurance bureau according to the provisions of the reimbursement ratio and scope, calculation should be paid by the medical insurance fund;

4. Patients pay personal expenses, such as deductible expenses, out-of-range expenses and disproportionate expenses;

5. The hospital will directly settle the expenses of the medical insurance fund with the medical insurance bureau.

To sum up, the new medical insurance regulations of Henan Province in 2023 clearly stipulate that all students, children, people over 70 years old or urban residents can enjoy 65% reimbursement of medical expenses when receiving treatment in first-class hospitals, and there is no threshold limit in the settlement year. This policy will greatly reduce the medical burden of these people.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.