Reimbursement amount = (total cost of treatment-deductible-self-paid part) Insurance proportion (70%-90%)

Note: The deductible line means that the treatment cost exceeds the minimum limit, and the deductible line varies from region to region, generally1000-2,000 yuan. The maximum reimbursement amount, that is, the reimbursement line, cannot exceed the maximum limit, and there are also differences in different regions, generally hundreds of thousands.

First, the proportion of outpatient reimbursement:

Outpatient service can be popularly understood as a minor illness and does not require hospitalization. First of all, the money in a personal account can be used directly as cash. For example, if you have a headache or fever, you can go to a designated medical institution or a designated retail pharmacy to buy medicine, and you can directly swipe the money in our personal account of medical insurance card.

Secondly, if the cost of seeing a doctor is more than the minimum deductible within one year (the standards vary from place to place), medical insurance can be reimbursed in proportion. The higher the hospital level, the lower the proportion of reimbursement.

Second, the proportion of hospitalization reimbursement:

General diseases, surgery to the designated hospital for treatment. The medical expenses of hospitalization will be automatically linked to our social pooling account of medical insurance, and the calculation method of final reimbursement is similar to that of outpatient service above.

There is a ceiling in the world: it is generally four times the local average wage.

There is a starting line below: below this deductible starting line, it is not reported.

There is a self-funded part in the middle: expensive imported drugs not covered by social security insurance are not reported.

After removing the starting line and the self-funded part, the remaining part will be reimbursed in proportion.

Third, the proportion of reimbursement for serious illness

The medical insurance for serious illness is an extension of the basic medical insurance. In fact, the second reimbursement method is adopted to reimburse the part that has been reimbursed by the basic medical insurance.

Fourth, the benefits of medical insurance

1. Valid at any time, valid for life: medical insurance can be valid for life as long as it has been paid for 25 years, which is something that any commercial insurance can't promise, and the reason is that it will be compensated.

2. The income from medical insurance reaches 10%.