First, Hunan medical insurance reimbursement ratio overview
The proportion of medical insurance reimbursement in Hunan province varies according to the types of insured persons, levels of medical institutions and service items. Generally speaking, the insured person goes to a designated medical institution for medical treatment, and the medical insurance foundation compensates the medical expenses that meet the requirements according to a certain proportion. At the same time, Hunan Province has also implemented a variety of medical insurance policies, such as serious illness insurance and outpatient co-ordination. To further improve the medical security level of the insured.
Second, the specific provisions of the reimbursement ratio
Proportion of reimbursement for hospitalization: When the insured is hospitalized, the Medical Insurance Foundation sets different reimbursement ratios according to the level of medical institutions and the type of insured. Generally speaking, the reimbursement rate of tertiary hospitals is relatively low, while the reimbursement rate of primary medical institutions is high. In addition, the reimbursement rates of retirees, employees, urban and rural residents and other different types of insured personnel are also different.
Outpatient reimbursement ratio: Hunan Medical Insurance has also set a corresponding reimbursement ratio for outpatient medical expenses. The insured in the designated medical institutions in accordance with the provisions of the outpatient medical expenses, can be compensated according to a certain proportion.
Proportion of reimbursement for serious illness insurance: Hunan Province has also implemented a serious illness insurance system for insured persons suffering from serious and serious diseases. Within the scope of serious illness insurance, further increase the proportion of medical expenses reimbursement of insured persons and reduce their economic burden.
Third, the process of applying for reimbursement
When seeking medical treatment, the insured person needs to carry a medical insurance card and a valid identity document, and settle the account directly in a medical institution. For medical expenses that cannot be directly settled, the insured person can bring relevant materials to the medical insurance agency for reimbursement. After the approval, the medical insurance agency will pay the medical expenses that should be compensated into the bank account of the insured.
To sum up:
The proportion of medical insurance reimbursement in Hunan is one of the important policies for the insured to enjoy medical services. Different reimbursement rates are set according to the types of insured persons, levels of medical institutions and service items. Insured persons should understand and follow relevant policies and regulations when seeking medical treatment in order to obtain medical insurance compensation. At the same time, the medical insurance department of Hunan Province is constantly improving and optimizing the medical insurance policy to better protect the medical rights and interests of the insured.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 28 provides that:
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.