According to the requirements of national unification, the fixed contract of outpatient medical insurance for urban and rural residents was cancelled from 202 1, and the outpatient reimbursement system was improved as a whole. The original fixed contract funds for outpatient medical insurance can continue to be used until they are used up.

Second, the hospitalization reimbursement policy for residents' medical insurance in 2022:

Residents' medical insurance A insured person's hospitalization policy within the scope of the cost is higher than the basic medical insurance Qifubiaozhun to the part below the payment limit, which shall be paid by the overall fund according to the following proportion:

The reimbursement rate of the first-level insured in the third-level medical institutions will be increased to 50%; The reimbursement rate of secondary medical institutions has increased to 70%.

The reimbursement rate of second-class insured personnel in secondary medical institutions has increased to 75%; The reimbursement rate of tertiary medical institutions has increased to 55%.

Minors will increase by 5 percentage points on the above basis.

If the insured person's out-of-pocket expenses that meet the reimbursement scope of serious illness insurance for urban and rural residents in our city exceed the Qifubiaozhun for the first time or cumulatively within a natural year, the serious illness insurance will be paid in proportion.

The role of social basic medical insurance in China

1, the basic medical insurance fund is based on the principle of fixed income and expenditure, and the personal account is combined with the peacetime fund to ensure the basic medical needs of the insured; The medical insurance fund shall be used for the expenses within the standards of drug list, diagnosis and treatment items and medical service facilities according to regulations; The insured must be used in accordance with the regulations, and the interests of all insured persons cannot be harmed.

2. The essence of risk-based medical insurance is to protect risks. Once the insured has risks and medical expenses, it can be reimbursed in proportion.

3, protect health Many people think that if you have insured medical insurance and paid the full cost, you should enjoy full reimbursement. This idea is wrong. Because once China's medical insurance is insured, as long as it is paid continuously, it can basically be guaranteed for life, and the annual insurance premium is not high, and the reimbursement ratio is also calculated according to the payment grade of the insured, so the rights enjoyed can actually protect personal health risks.