How to use the employee medical insurance fund that employees must know?
In order to ensure the basic medical care of employees, China has launched the employee medical insurance fund, mainly to raise special funds for employee medical insurance from units and individuals.
Employee medical insurance funds include individual account funds and overall account funds. These funds are formed by contributions from individuals and employers. Among them, personal account funds are formed by employers and individuals according to a certain proportion, which are mainly used for drug purchase in designated pharmacies and payment for outpatient services in medical institutions. The overall fund is formed by unit contributions, which is mainly used for reimbursement of outpatient major diseases and hospitalization medical expenses of insured persons, including special outpatient examination, emergency rescue, hospitalization expenses and special outpatient chronic diseases. Among them, as long as the reimbursement of hospitalization expenses meets the three categories stipulated by provinces and cities in China, it can be reimbursed according to the proportion of different levels of medical institutions within a certain threshold and maximum payment limit. Individuals only need to pay their own medical expenses for hospitalization, and the rest will be settled by medical insurance centers and hospitals. However, the specific minimum payment standard, maximum payment limit and reimbursement ratio of employee medical insurance vary from province to city. Have chronic diseases or three high hepatitis B and other minor problems and don't know how to buy insurance? This strategy must be read: 9 categories and 39 kinds of physical abnormalities, disease insurance strategy!
Different provinces and cities have different reimbursement standards for special expenses for chronic diseases. Such as Yunan province, nephrotic syndrome, chronic heart failure, cerebrovascular accident, systemic sclerosis, Sjogren's syndrome, diabetes, liver cirrhosis, Alzheimer's disease, myasthenia gravis, ankylosing spondylitis, middle-aged and elderly prostatic hyperplasia IIo, IIO, chronic glomerulonephritis, active tuberculosis, chronic active hepatitis, primary or secondary hypertension, rheumatoid arthritis, psychosis, epilepsy, Parkinson's disease, coronary heart disease, bronchiectasis, bronchiectasis. As long as the employees suffering from these diseases, within the prescribed scope of medication and diagnosis and treatment, the outpatient medical expenses exceeding the deductible line can be reimbursed by the overall fund for about 80%. The maximum annual reimbursement is about 2000-5000 yuan. Regarding the problem of buying insurance for hypertension, I just sorted out the relevant contents, hoping to help you: how to buy insurance for hypertension?
The employee medical insurance fund has well guaranteed the basic medical care of the broad masses of employees. The above is an introduction to the use of employee medical insurance fund.
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Medical insurance for employees is generally paid by both employers and employees. The employer shall pay the basic medical insurance premium at 6% of the sum of the average monthly wages of employees in the previous year. However, with the development of economy, the contribution rates of employers and employees can be adjusted accordingly. Here is a brief introduction to you in the form of a case.
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