Ordinary residents, 400 yuan, the deductible line of first-class and below medical institutions, the reimbursement rate is 85%, and the annual maximum payment limit is 1.6 million yuan. The deductible line of secondary medical institutions is 800 yuan, and the reimbursement rate is 70%, with an annual maximum payment limit of 60,000 yuan. The deductible line of tertiary medical institutions is 1 100 yuan, the reimbursement ratio is 65%, and the annual maximum payment limit is 30,000 yuan.
In addition, the qifubiaozhun for outpatient chronic diseases (19) is 300 yuan, and the reimbursement rate for each additional disease is 60%, and the maximum payment limit in the year is 6500 yuan.
The annual maximum payment limit of medical insurance in Jilin Province is as follows:
Urban and rural residents are insured, and the annual maximum payment limit of the two-level designated medical institutions as a whole fund is 350 yuan, and the annual maximum payment limit of the first-level and below designated medical institutions as a whole fund is 600 yuan.
For the insured urban workers, the maximum annual payment limit of the overall planning fund is different at different levels of designated medical institutions, among which the maximum annual payment limit of the overall planning fund for the second-level and below designated medical institutions is 1 000 yuan, and that for the third-level designated medical institutions is 1, in 500 yuan.
Medical insurance is social medical insurance, which is a medical insurance system enforced by the state through legislation. Employers and individuals pay insurance premiums according to a certain proportion, establish social medical insurance funds, and pay medical expenses for employees. The benefits of medical insurance are mainly manifested in the following aspects:
1, reduce the burden of medical expenses: medical insurance can provide certain medical expenses reimbursement for the insured, and reduce the economic pressure of individuals facing diseases.
2. Prevent and resolve the risk of medical expenses: As a social security system, medical insurance can effectively disperse and resolve the risk of personal medical expenses and avoid poverty caused by illness.
3. Improve the level of medical insurance: Medical insurance can provide comprehensive medical insurance, including outpatient service, hospitalization and chronic diseases, and improve the level of medical insurance for the insured.
4. Promote social equity and stability: Medical insurance is an inclusive social security system, which can provide basic medical security for all citizens and promote social equity and stability.
5. Promote the development of medical and health undertakings: the popularization and implementation of medical insurance can promote the development of medical and health undertakings, improve the service quality and technical level of medical institutions, and provide better medical services for the insured.
To sum up, medical insurance is an important social security system, which can provide basic medical security for individuals, reduce the burden of medical expenses, resolve the risks of medical expenses, improve the level of medical security, promote social fairness and stability, and promote the development of medical and health undertakings.
Legal basis:
People's Republic of China (PRC) social insurance law
second
The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.
Article 26
The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Article 28
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.