The reimbursement of 300,000 yuan is divided into two parts: the maximum payment limit of the basic medical insurance pooling fund is 6,543,800 yuan; The cumulative maximum payment limit for large mutual funds is 200,000 yuan.
The medical insurance reimbursement process is as follows:
1. See a doctor: When you need to see a doctor due to illness or injury, you can see a doctor in a local medical institution;
2. Payment: You need to pay certain medical expenses, including medical expenses and medicine fees. ;
3. Invoice: The medical institution will issue the corresponding invoice for you, including the details of the paid medical expenses;
4. Reimbursement application: invoices, medical expenses details, medical insurance cards and other related materials need to be submitted to the local medical insurance department for reimbursement application;
5. Review: The medical insurance department reviews the materials submitted by you to verify whether the medical expenses meet the reimbursement conditions;
6. Reimbursement: After approval, the medical insurance department will reimburse the corresponding medical expenses to the medical insurance account, or directly transfer the reimbursement to the bank card.
To sum up, it varies from place to place, and there are still many places with an upper limit of less than 300,000. The upper limit of 300,000 refers to the reimbursement of hospitalization expenses and outpatient expenses, and the upper limit is 20,000.
Legal basis:
Article 26 of People's Republic of China (PRC) Social Insurance Law
The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.
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.