I believe many people don't know much about supplementary medical insurance. Here, our insurance experts from China Merchants Bank will tell you.

Experts from China Merchants Bank tell you that medical insurance is supplemented bit by bit.

Now more and more people begin to pay attention to the content of medical insurance. Among them, supplementary medical insurance is of great concern. Many people don't know the specific function of supplementary medical insurance. What is its reimbursement scope? What should I pay attention to? Let me introduce you now.

Supplementary medical insurance is relative to basic medical insurance, including unit supplementary medical insurance, commercial medical insurance, social mutual supplementary medical insurance and community medical insurance. It is a powerful supplement to the basic medical insurance and an important part of the multi-level medical security system.

First, the role of supplementary medical insurance

The function of supplementary medical insurance is to supplement the reimbursement scope and proportion of medical insurance. Designated hospitals, like basic medical care, can fully supplement the shortage of social medical insurance and appropriately increase medical insurance items. Comparatively speaking, the payment cost of supplementary medical insurance is higher, but the reimbursement limit is also higher. The basic expenses such as outpatient service, emergency treatment, hospitalization and medicines that the insured person meets the reimbursement conditions can be reimbursed through supplementary medical insurance after medical insurance reimbursement. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!

Two, supplementary medical insurance reimbursement data

Supplementary medical insurance reimbursement needs to prepare different materials according to different situations, namely hospitalization and outpatient service.

The information to be prepared for hospitalization is a copy of the identity certificate of the insured; Original receipt of medical expenses and original details of hospitalization medical expenses; Discharge summary (provided and stamped by the hospital); A copy of the medical record shall be stamped with the hospital seal (the original ID card of the injured person shall be copied in the medical department of the hospital); Medical manuals, prescriptions, checklists, laboratory sheets and other originals; If there is social security reimbursement, it is necessary to provide a social security claim split sheet (that is, the original certificate of the amount paid by social security or its copy is stamped with the financial seal of the paid unit), and the insurance company shall bear the insurance responsibility for the remaining medical expenses according to the agreed proportion. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

The materials to be prepared for outpatient reimbursement are the original receipt of medical expenses (with details of outpatient medical expenses); A copy of the identity certificate of the insured; Medical manuals, prescriptions, checklists, laboratory tests and other originals.

Third, supplementary medical insurance reimbursement process

1. Organize documents: receipts, prescriptions, treatment bills, etc.

2. Fill in the corresponding application form and sign it for confirmation;

3. Mail or send the reimbursement documents together with the reimbursement application form to the state-owned company;

4. The state-owned company will complete the reimbursement within 5 working days after receiving the complete reimbursement materials, and send the reimbursement split list to the applicant at the same time;

5. After receiving the reimbursement statement, the applicant inquires the one-card account of China Merchants Bank to confirm whether the reimbursement has arrived.

Through the above reading, I believe you have a certain understanding of supplementary medical insurance.

Related suggestions:

How to handle the supplementary medical insurance for serious illness in Fuzhou?

Today, with the soaring medical expenses, the problem of difficult and expensive medical treatment for ordinary people still exists in many areas. With the continuous improvement of social security, supplementary medical insurance for serious illness can effectively enhance people's ability to resist the risk of serious illness. But many people in Fuzhou don't know how to apply for supplementary medical insurance for serious illness. Let's look at this problem.

20 17 reimbursement scope of supplementary medical insurance for critical illness

Supplementary medical insurance for serious illness refers to the major and serious illness insurance in which the medical expenses incurred by the insured workers in designated medical institutions due to illness exceed the maximum payment limit of the basic medical insurance pooling fund (tentative 36,000 yuan) by 0- 1.5 million yuan in a natural year.