The medical insurance for disabled people is the same as that for healthy people, but there are corresponding subsidies.

Persons who hold the certificate of assistance to needy families or the certificate of disabled persons above * * * in People's Republic of China (PRC) within the validity period and participate in the basic medical insurance for urban workers, the basic medical insurance for urban residents or the new rural cooperative medical system in their personal capacity are exempt from the medical insurance premiums they should pay.

If the flexible employees who hold the Certificate of Assistance to Difficult Families or the Certificate of Disabled Persons in People's Republic of China (PRC) * * * and above reach the legal retirement age and the payment period of medical insurance is less than 20 years, when they go through the formalities of making up the overdue payment, their supplementary base will be determined according to 60% of the average salary of the whole province in the previous year, and the start-up fund for outpatient co-ordination payment will be 2038 yuan (the standard for general workers is 396 yuan).

At present, the reimbursement rate of disabled people who participate in the basic medical insurance for urban residents is the same as that of healthy people, but the basic medical insurance for urban disabled people has corresponding subsidies. Not all medical insurance can be reimbursed, and individuals have to bear part of it, with a maximum payment limit. Personal burden includes:

(1) General outpatient (emergency) consultation fee;

(2) the cost of purchasing drugs in designated retail pharmacies;

(3) hospitalization (outpatient disease) part of the cost should also be paid.

Increasing the reimbursement amount is also one of the new policies launched by the Medical Insurance Bureau of Chengguan District of Lanzhou City for the disabled. Combined with the development of medical insurance for urban residents in the past, this paper puts forward some measures such as increasing the reimbursement amount, increasing the reimbursement ratio and expanding the long-term outpatient diseases of special diseases.

The scope of reimbursement for special diseases has been expanded from the original six diseases to 10 diseases, the proportion of reimbursement for hospitalization has increased by 10 percentage point, and the payment limit of basic medical insurance for urban residents has been adjusted from 60,000 yuan to 654,380,200 yuan. The qifubiaozhun for the disabled will be reduced by 20%, and the proportion of overall reimbursement for hospitalization medical expenses will be increased by 20%. The maximum payment limit refers to the maximum amount of medical expenses paid by the basic medical insurance fund to the insured in a medical year. The standard is about 4 times the average wage of employees in this city last year.