Chronic disease refers to a kind of disease with long course, slow clinical manifestations and slow development, which often needs long-term treatment and management. In Dongying medical insurance policy, the proportion of reimbursement for chronic diseases is limited. Specifically, the highest reimbursement rate for chronic diseases is 50%, and the reimbursement rate for hospitalization ranges from 65% to 80%. However, different diseases, different expenses and other factors may affect the specific reimbursement ratio. In addition, the proportion of reimbursement for outpatient drug purchases is also limited. For patients who meet the reimbursement conditions, they can enjoy up to 50% reimbursement, but the annual reimbursement amount of individuals shall not exceed that of 700 yuan. It should be noted that the specific situation of reimbursement ratio needs to be determined according to factors such as medical insurance catalogue and hospital. Therefore, if patients have related needs in the process of seeing a doctor, they need to consult the medical insurance department or the hospital.
Besides medical insurance reimbursement, is there any other way to reduce the financial burden of patients with chronic diseases? In addition to medical insurance reimbursement, patients with chronic diseases can also consider participating in other insurance projects such as basic medical insurance for urban and rural residents and serious illness insurance to reduce the burden of personal medical expenses. In addition, some places have policies to provide some help, and the specific situation needs to be understood according to local policies and regulations.
Chronic disease is one of the important problems facing the society at present. For patients with chronic diseases, medical expenses are a great burden. Therefore, under the guidance of medical insurance policies and regulations, patients need to know their reimbursement ratio, medical insurance catalogue and other ways to reduce their economic burden, so as to better cope with the challenges brought by chronic diseases.
Legal basis:
Article 55 of the Social Insurance Law of People's Republic of China (PRC) * * * The basic medical insurance fund shall pay the medical expenses, in-hospital food subsidies and out-patient subsidies of the insured within the prescribed scope according to a reasonable payment ratio.
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