The new policies for Shenyang’s medical insurance reform in 2023 are as follows: 1. Adjustment of the population covered by personal medical insurance ① The coverage of the urban and rural residents’ medical insurance system includes all eligible members of the existing urban residents’ medical insurance and the new rural cooperative medical insurance, that is, it covers all employees except basic medical insurance

All other urban and rural residents outside the country of origin should be insured.

② Migrant workers and people with flexible employment are required to participate in basic employee medical insurance in accordance with the law.

Those who have difficulties can participate in urban and rural residential medical insurance in accordance with local regulations. 2. How to raise funds for personal medical insurance ① Adhere to multi-channel financing, continue to implement a beautiful method that mainly combines personal micro-payments with government subsidies, and encourage small groups, units or other

Social and economic organizations can only provide support or funding.

② Reasonably divide the responsibilities of the government and individuals for U.S. capital.

In addition to the local government subsidy standards, the proportion of personal micro-payments should be appropriately increased.

3. Determination of financing standards for personal medical insurance ① All localities must comprehensively consider the needs of urban and rural residents for medical insurance and critical illness insurance, and reasonably determine unified financing standards for urban and rural areas based on the principle of balancing fund revenue and expenditure on a regular basis.

② In areas where there is a large gap between the individual payment standards of urban residents’ medical insurance and the new rural cooperative medical insurance, a differentiated fee approach can be adopted.

Use 2-3 years to gradually transition.

③The actual per capita financing and individual contributions after integration shall not be lower than the current level.

4. Special benefits for personal medical insurance: ① Follow the principles of appropriate protection and balance of revenue and expenditure, balance urban and rural security benefits, and gradually unify payment standards for insurance coverage.

②The urban and rural residents’ medical insurance fund is mainly used to pay hospital and outpatient medical expenses incurred by insured persons.

③Stabilize the level of hospitalization protection, and maintain the payment ratio of hospital fees at around 75% within the scope of the policy.

⑤ Gradually narrow the gap between the payment ratio within the scope of the policy and the actual payment ratio.

5. When will the new personal medical insurance be implemented? ① All provinces, autonomous regions and municipalities must make plans and arrangements for integrating medical insurance for urban and rural residents before the end of June.

Set a clear timeline.

road map to ensure the implementation of various policies and measures.

③Each coordinating region must issue specific implementation plans before the end of December.

Things to note when individuals buy medical insurance: 1. Pay attention to the age limit for insurance. Each insurance company has different regulations on the minimum age for insurance.

Depending on the type of insurance, the minimum insurance age generally ranges from 90 days after birth to 16 years of age or older.

The minimum age for insurance coverage stipulated by each insurance company is roughly the same.

Be 65 years old.

If your age is not within this range, generally speaking, you are not suitable for insurance.

China Merchants Bank Insurance Provision.

The younger you are, the lower the premiums are.

Therefore, it is recommended that you take out insurance.

2. Pay attention to the obligation to report truthfully. When signing an insurance contract, you should truthfully state your current physical condition and past medical history to the insurance person.

This allows the insurer to determine whether to accept coverage or under what conditions.

Some sex hospital medical insurance clauses clearly include certain serious diseases (such as congenital diseases, leukemia, etc.) as not covered.

therefore.

Do not conceal your medical history as this may invalidate the insurance contract.

Even if an inspection accident occurs within the scope of liability.

The insurance company will also not fulfill its obligation to pay compensation.

3. Pay attention to the scope of liability of the insurance type. When purchasing insurance, it is important to clarify the scope of liability of the type of insurance. Only if an insured accident occurs within the scope of liability, the insurance company will be obliged to pay compensation.

Such as the market hot change (critical illness insurance).

The scope of its insurance coverage is generally the disease diagnosed for the first time after taking out the insurance.

Such as stroke, stroke, heart attack, etc., while diseases such as heart disease, tuberculosis, etc. are not covered by the insurance.

4. Pay attention to the wait-and-see period of hospital medical insurance. The so-called wait-and-see period is a period of time after the insurance contract takes effect.

The insured person shall be responsible for paying the medical expenses incurred by the insured due to illness, except for hospital medical expenses caused by accidents.

For general hospital medical insurance.

Insurance companies have a wait-and-see period when underwriting.

According to different face types.