Over the years, with the continuous improvement of social security in our country, more and more Chinese people have paid social security. Social security is not only used for old-age care, but also includes medical insurance. Nowadays, many people have to go to the hospital to see a doctor and get medicine.

If you use medical insurance, after all, some of it can be reimbursed.

With the improvement of people's living standards, more and more people are concerned about their own health. In the past, it was very difficult to see a doctor in many parts of our country, especially in rural areas. A serious disease may cost tens or even millions.

Many families cannot afford it, and in the end, the most critical time can only be wasted.

However, as my country's medical security continues to improve, people in many places now participate in medical insurance payments, including employee medical insurance and the new rural cooperative medical system in many places. As long as they pay a certain amount every year, At least it can solve many problems in medical treatment, especially now that many diseases are covered by medical insurance, allowing more and more people to solve the problem of "difficulty in medical treatment".

As long as we have a social security card or medical insurance card, when we go to many hospitals and pharmacies for medical treatment and medicine, we can get medical insurance reimbursement in many places. After all, every penny we can save is worth a penny. This is what the country has to offer to our country.

It is the most basic medical protection for citizens. After all, many people spend a lot of money to see a doctor. This also fundamentally solves the problem of difficulty in seeing a doctor and allows many families to reduce the financial pressure of medical treatment.

01. What are the three levels of medical insurance? 1. Basic medical insurance. Basic medical insurance is usually purchased by all units for employees, and freelancers can also purchase it separately. It is the most basic protection and includes outpatient reimbursement and hospitalization reimbursement.

Outpatient reimbursement: Outpatient expenses themselves are within the reimbursement scope of the basic medical insurance, so as long as the insured person goes to a designated hospital for outpatient treatment, the outpatient expenses can be reimbursed through the basic medical insurance.

The insured person can settle the payment directly with the social security card at the outpatient fee office.

Hospitalization reimbursement: This is the commonly used medical insurance reimbursement.

Hospitalization medical expenses are divided into individual payment expenses and overall reimbursement expenses.

Different regions, hospitals, as well as the drugs and treatments used, will have different reimbursement rates for individuals and the overall plan.

The cost of overall reimbursement must first exceed the threshold for outpatient medical insurance reimbursement.

The deductibles vary greatly from place to place, and the maximum limit is also different.

You can call 12333 to inquire about local reimbursement policies.

2. Critical illness medical insurance (secondary reimbursement of medical insurance). Critical illness insurance is mainly established to reimburse urban and rural residents for the high medical expenses incurred by serious illnesses, so that everyone can reduce the burden of medical treatment and prevent poverty due to illness and return to poverty due to illness.

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?Critical illness medical insurance is a kind of commercial insurance and does not belong to the social pooling fund.

It is a type of commercial insurance purchased by the medical insurance department for all insured persons. It generally costs about 100 to 200 yuan per person per year.

Relevant expenses will be deducted from basic medical insurance payments, and the reimbursement rate for major illness insurance shall not be less than 50%.

For example, for the part beyond the reimbursement limit of the basic medical insurance for employees, an additional 90% can be reimbursed, up to a maximum of 400,000 yuan.

If it is within the scope of the overall payment, the individual can be reimbursed 75% of the expenses borne according to the minimum payment standard and payment ratio.

In addition, for some Class B drugs, medical service facilities, and medical service projects, 75% of the medical expenses borne by the individual payment ratio can be reimbursed, up to a maximum of 200,000 yuan.

3. Medical insurance assistance Medical insurance assistance is targeted at a group of special groups, generally referring to people living on minimum living allowances, extremely poor groups, low-income families, disabled people, etc. The main purpose is to allow everyone to receive appropriate treatment according to their abilities.

?02. Everyone is familiar with the conditions for enjoying the secondary reimbursement of medical insurance. The first type of basic medical insurance is familiar to everyone. The third type of medical insurance assistance is relatively rarely used by ordinary people, so I will not introduce it today.

The second kind of critical illness medical insurance is an insurance that few people know about before, but will be used in the future. We can focus on introducing it: "Second reimbursement" refers to residents of urban residents' medical insurance or new rural cooperative medical insurance.

There are high expenses for medical treatment. In addition to normal reimbursement, you can also apply for critical illness insurance again, and there is no cap.

Under normal circumstances, secondary reimbursement will be reimbursed by the citizen's employer.

At present, there are relatively few people in the country who know about it. Firstly, there is relatively little publicity. Secondly, there are also relatively few people who meet the conditions. After all, compared to the people across the country, the proportion of serious illnesses is still relatively small.