Nowadays, many schools will buy student medical insurance for their students, and parents also recognize it. But many parents don't know much about student medical insurance.
First, how to reimburse students' medical insurance
After the students are cured, they should submit the following certificates and materials to the financial department of the school, fill out the claim application form and entrust them to apply for insurance benefits:
1. Original medical expense certificate issued by the hospital recognized by the insurance company (special unified certificate for hospital charges);
2. The diagnosis certificate issued by the hospital recognized by the insurance company (outpatient medical record or discharge summary);
3. A copy of my student.
After the insurance company closes the case, it will transfer the compensation to the school account, and the financial planning office will send a notice in the bulletin board next to the school mailroom. After seeing the notice, students should bring their ID cards (student ID cards) to the financial planning office in time to collect insurance money.
During hospitalization, if it is difficult to advance hospitalization expenses, the counselor or class teacher can borrow medical expenses from the school in advance for the students. The amount is determined by the school hospital according to the patient's condition and signed on the application form, and then transferred to the financial department.
The outpatient and inpatient treatment of students should be carried out in the school hospital. If the illness needs to be transferred to an off-campus hospital for treatment, a referral form issued by the school hospital should be obtained. Otherwise, students can only apply for insurance money from insurance companies, and cannot enjoy medical reimbursement at public expense. When the medical expenses are reimbursed by the school at public expense, the outpatient medical expenses are reimbursed by the school hospital once every academic year, and a fixed contract system is implemented. The medical expenses in the hospital shall be reimbursed and paid by the insurance company according to the regulations after the claims are balanced, and the reimbursement form shall be filled out, with the referral form of the school hospital attached, and signed by the dean of the school hospital.
Second, the composition of student medical insurance
The basic medical insurance premium for primary and secondary school students consists of individual contributions and government subsidies. The financing standard is 230 yuan per person per year, in which the government subsidizes 200 yuan and the individual pays 30 yuan; For low-income families and severely disabled students, individual contributions are fully subsidized by the government.
Third, the proportion of student medical insurance reimbursement
Student medical insurance reimbursement is carried out in proportion, generally floating around 20% to 70%. The reimbursement ratio is related to students' medication and medical level. Class A drugs can be reported in full, class B drugs can be reported 80%, and class C drugs are all at their own expense.
This article ends here. Thank you for reading.
Legal objectivity:
Article 28 of the Social Insurance Law of People's Republic of China (PRC) conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facilities and emergency and rescue medical expenses standards, and shall be paid from the basic medical insurance fund in accordance with state regulations. "People's Republic of China (PRC) Social Insurance Law" Article 29 The part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits. Article 55 of People's Republic of China (PRC) Social Insurance Law includes the following items: (1) Maternity medical expenses; (two) family planning medical expenses; (3) Other project expenses stipulated by laws and regulations.