What is the reimbursement ratio of medical insurance for urban residents in 2018
Social security medical insurance is what we usually call medical insurance. As a social insurance system, medical insurance can help us to reimbursement certain medical expenses when we are sick, which is undoubtedly very important for us. So, what are the latest policies of Medicare in 2018? What is the proportion of reimbursement for urban medical insurance?
Latest regulations of medical insurance card in 2018
The medical insurance card can be used for medical treatment or pharmacy consumption identification and medical insurance individual account payment. Its medical insurance medical records can be used in all designated medical insurance hospitals in the same city to record medical insurance treatment.
The latest regulations of medical insurance in 2018
In addition, it is worth noting that the so-called medical insurance hospitalization reimbursement is not that you pay cash in advance and then use bills to reimbursement, but that when you are hospitalized in a designated hospital of medical insurance, you issue a medical insurance card and let the unified medical insurance settlement system read the information of the insured and handle the hospitalization number. When you are discharged from the hospital, the medical insurance system will not charge you the part of the reimbursement - the part of overall payment. And the medical insurance card can only be used by the cardholder himself, not lent, otherwise there will be suspected of insurance fraud.
The reimbursement proportion of medical insurance for urban residents in 2018 is as follows:
1、 Hospitalization reimbursement
1. Minors and school students
In a settlement year, if the medical expenses meet the reimbursement scope, the minimum payment standard of tertiary hospitals is 600 yuan, and the reimbursement proportion is 65%; The minimum payment standard of secondary hospital is 300 yuan, and the reimbursement proportion is 75%; The standard of first-class hospital is 150 yuan, and the reimbursement rate is 85%.
2. Non employed residents
In a settlement year, if the medical expenses meet the reimbursement scope, the minimum payment standard of the tertiary hospital is 2000 yuan, and the reimbursement proportion is 65%; The minimum payment standard of secondary hospital is 1000 yuan, and the reimbursement proportion is 75%; The standard of first-class hospital is 500 yuan, and the reimbursement rate is 85%.
3. Elderly residents
In a settlement year, for medical expenses that meet the reimbursement scope, the minimum payment standard of tertiary hospitals is 1400 yuan, and the reimbursement proportion is 65%; The starting standard of hospitalization in secondary hospitals is 700 yuan, and the reimbursement proportion is 75%; The standard of first-class hospital is 350, and the reimbursement rate is 85%.
2、 General outpatient treatment
1. Minors and students
According to the regulations, 80% of the medical expenses in the community health service institutions or the medical institutions of the school should be paid, and 50% of the medical expenses in other medical institutions should be paid; Maximum payment limit: 300 yuan / person / month.
2. Elderly residents
According to the regulations, the medical expenses within the scope of drug catalogue of basic medical insurance shall be paid by 50% of the medical fund of community health service institutions; Maximum payment limit: 100 yuan / person / month.
The above contents are the latest policies of medical insurance in 2018 compiled by Xiaobian, as well as the proportion of medical insurance reimbursement for urban residents. I hope it can help you. At the same time, it is worth noting that the reimbursement ratio of medical insurance may vary from place to place, and the local standard shall prevail.