When the insured person goes to the hospital when he is sick, the doctor will ask if there is medical insurance. For people with medical insurance, medical expenses during hospitalization are generally not paid by individuals. When going through the hospitalization formalities, you need to submit your social security card or ID card to the hospital and pay the threshold fee according to the regulations of the hospital. This is the minimum payment standard. Qifubiaozhun is determined according to the level of the hospital, which is divided into four levels: township community hospitals, first-class hospitals, second-class hospitals and third-class hospitals. The higher the level, the higher the threshold.

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The scope of reimbursement for hospitalization expenses means that after deducting the expenses paid by individuals in advance, the overall fund will pay in proportion according to the hospital level. According to the regulations of Chengdu, 85% of tertiary hospitals, 90% of secondary hospitals, 92% of primary hospitals and 95% of community health service centers have signed hospitalization service agreements with medical insurance agencies.

According to the regulations of Chengdu, the fees paid by individuals first include four aspects. One is to use 20% of the cost of examination and treatment items with a single price above 200 yuan except surgery; Two, the cost of performing a single operation with a price exceeding 1000 yuan is 10%; The third is to use10% of the cost of Class B drugs in the basic medical insurance drug list stipulated by the state and the province; Fourth, the use of special medical materials and the implementation of the overall fund to pay part of the cost of diagnosis and treatment projects should be paid by individuals.

According to local regulations, the hospitalization expenses of the insured person do not need to be paid in full, and then they will be reimbursed by the medical insurance department after discharge. Whether participating in employee medical insurance or urban and rural residents' medical insurance, as long as they are hospitalized in the same hospital as a whole, the reimbursement process is the same. Patients only need to pay the deductible expenses (Qifubiaozhun) and the expenses paid by individuals, and the rest expenses will be paid by the medical insurance fund in proportion, exceeding the Qifubiaozhun. All this is settled in the hospital in real time, and there is no need for inpatients or their families to run around.

To sum up, when hospitalized patients leave the hospital, the hospital should make a unified settlement of hospitalization expenses. When the expenses are settled, the hospital will print a list to the inpatients or their families, indicating the total expenses, including how much medical insurance has been reimbursed. When the hospitalization expenses are settled, the reimbursement expenses have been paid in advance by the hospital, and patients no longer need to go through additional reimbursement procedures after discharge. This is of great significance to simplify the reimbursement procedures and avoid the family members of patients rushing back and forth for reimbursement procedures.