Characteristics of medical insurance:

Medical insurance generally refers to basic medical insurance, which is a social security system to compensate workers for medical expenses caused by diseases. Medical insurance is generally a medical insurance fund jointly established by individuals and employers, which gives certain economic compensation to the sick insured after seeing a doctor in a designated medical institution.

Personal account of medical insurance is a special account established according to the basic medical insurance policy, which is specially used to store the medical insurance premiums paid by the insured and the funds allocated by the employer according to a certain proportion, and record the medical consumption. The funds in the personal account are used to pay for the out-of-pocket part of medical treatment and medicine purchase.

First, there are two accounts for medical insurance.

There are two accounts in medical insurance, personal account and medical insurance account.

Medical insurance account is the general name of medical insurance account. As long as you pay medical insurance, you will have a medical insurance account. Personal account is an account in which medical expenses are controlled and used by individuals in medical insurance accounts.

Second, the difference between medical insurance and commercial medical insurance

Compared with commercial medical insurance, medical insurance has three advantages: first, medical insurance can cover diseases; Secondly, medical insurance can be renewed and you can buy medical insurance at any time; Finally, employees who have paid medical insurance contributions for a certain number of years can enjoy the right to life-long medical insurance reimbursement after retirement age.

3. What expenses can be reimbursed by medical insurance?

First of all, there is a reimbursement catalogue for medical insurance, and the expenses in the catalogue can be reimbursed. Drugs prescribed by our hospital can only be reimbursed if they are listed in the catalogue. There are two main types of drugs that can be reimbursed: one is Class A drugs, which can be reimbursed100%; Second, class B drugs, the price is slightly higher, only part of the expenses can be reimbursed. Class C drugs cannot be reimbursed.

Secondly, there is a cap line and a deductible line when the hospital reimburses. The deductible line is not reported if it does not reach the specified amount; The capping line is the highest amount of reimbursement.

It should be noted that different levels of hospitals have different reimbursement rates. The higher the level, the lower the reimbursement rate.