To use medical insurance, you must first go to a designated hospital for medical insurance. At present, almost all public hospitals and some private hospitals belong to this range, which is generally not wrong. Then whether we can be reimbursed for taking medicine when we are sick depends on whether we meet the "three conditions" for social security reimbursement.

For the new changes in medical insurance, take a look at this article:

"202 1 May1The new medical insurance regulations came into effect. What impact does it have on us? 》

Which three directories? Let's have a look!

1. Drug list

The drug list is the medicine prescribed by the doctor, and it can only be reimbursed if it is within the scope of the protection list. Drugs are generally divided into three categories: A, B and C; Basic medical insurance can usually reimburse Class A and Class B drugs, and Class C drugs are self-funded drugs outside the catalogue.

2. The diagnosis and treatment project directory

Generally, it is the medical services provided by designated hospitals for patients, such as treatment fees, examination fees, operation fees, etc.

There are some common items that cannot be reimbursed; Such as: registration fee, case fee, out-of-hospital consultation fee, examination expedited fee, roll call operation fee, health examination fee, etc.

3. Directory of service facilities

Service facilities mainly refer to bed fees, and there is generally an upper limit for reimbursement; Generally speaking, beds in general wards are within the scope of reimbursement; If you need to stay in the VIP ward because of the high requirements of the hospitalization environment, then you need to pay for it yourself.

4. deductible

The basic medical insurance has different deductible lines according to different cities and hospitals, that is to say, no matter whether you take an injection or take medicine, you need to reach the set deductible to be reimbursed.

Dad's summary

Medical insurance is a very practical basic medical insurance, and it will inevitably be plagued by diseases in daily life. Medical insurance can greatly reduce our expenses, so it is necessary to take out insurance.

However, as a service that benefits the people, medical insurance has always been limited. When we encounter the risk of major diseases, the role that medical insurance can play is not so great. At this time, it is necessary to use commercial insurance to supplement the shortage of medical insurance and ensure comprehensive protection.