According to the national and local policies, the proportion of reimbursement for medical insurance hospitalization in Hubei Province will vary according to different medical institutions, treatment projects and medical insurance participants. Generally speaking, medical insurance can give 60% to 90% reimbursement for treatment items within the scope of medical insurance, and the specific proportion depends on different treatment items and medical insurance participants. For example, high-priced drugs, special treatments and operations may get a higher reimbursement rate, while some common and frequent medical expenses may only have a lower reimbursement rate. It should be noted that there is an upper limit on the proportion of medical insurance reimbursement. Once the medical expenses exceed a certain amount, the excess expenses will not be reimbursed. In addition, in order to ensure the sustainability of the medical insurance fund, medical insurance also has a certain proportion of self-payment, which means that medical insurance only reimburses a part of medical expenses, and the rest needs to be borne by patients themselves. For the insured, different medical insurance categories and payment standards will affect the scope and proportion of medical insurance reimbursement. Therefore, before enjoying medical insurance reimbursement, it is suggested that the insured should carefully understand the regulations in order to better plan medical expenses and get more reimbursement.
What kinds of medical insurance are there in Hubei Province? A: In Hubei Province, medical insurance is divided into medical insurance for urban workers, medical insurance for urban residents, new rural cooperative medical insurance and serious illness insurance. The policy and reimbursement ratio of each kind of medical insurance are different, so the insured should carefully choose the types of medical insurance according to their own situation and needs.
The reimbursement rate of medical insurance hospitalization in Hubei Province varies according to medical institutions, treatment items and medical insurance participants, and there will be restrictions such as self-payment ratio. Therefore, it is suggested that the insured should carefully understand the regulations when enjoying medical insurance reimbursement, so as to better plan medical expenses.
Legal basis:
Article 28 of the Social Insurance Law of People's Republic of China (PRC) conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities and emergency and rescue medical expenses standards, and shall be paid from the basic medical insurance fund in accordance with state regulations.