How much can Qindao E-insurance hospital spend? What are the scope of reimbursement?

"Qingdao E-insurance" is an inclusive medical insurance specially designed for the insured of Qingdao basic medical insurance. It is jointly guided by Qingdao Medical Insurance Bureau and Qingdao Banking Insurance Bureau, and underwritten by four insurance companies. So how much can I apply for reimbursement for hospitalization after I insure Qindao E insurance? What does the scope of reimbursement specifically include? Let's get to know each other.

How much can Qindao E-insurance be reimbursed for hospitalization?

The reimbursement of Qindao E-insurance and other medical insurance generally stipulates the deductible and reimbursement ratio. Users who have insured Qindao E-insurance, if they want to apply for hospitalization reimbursement, mainly apply for reimbursement through the medical coverage of hospitalization supplementary medical insurance. The minimum payment line of this insurance is 1.6 million yuan, with 1.5 million insured for two consecutive years, 1.4 million uninsured for three consecutive years, and 1 suffering from leukemia. Pay according to the proportion of 70%.

This means that if the user has insured Qindao E-insurance, after medical insurance reimbursement, at least 1.6 million yuan and online expenses can be reimbursed. Only the part that exceeds the deductible stipulated in the insurance can apply for reimbursement. If it does not exceed the deductible, it cannot be reimbursed.

What are the scope of reimbursement?

1 Supplementary medical insurance for hospitalization in medical insurance coverage

Insurance amount: 6.5438+0.5 million;

Deductible:10.6 million deductible (insured for two consecutive years10.5 million, insured for three consecutive years10.4 million, children with leukemia10.4 million);

Reimbursement ratio: 70% will be paid.

2. Supplementary medical insurance for chronic diseases and special diseases in medical insurance coverage.

Insurance amount: 65,438+0,500,000 yuan (shared with liability I * * *);

Deductible: 16000 yuan deductible (liability deductible I * * *);

Reimbursement ratio: 70% for those with no previous medical history and 40% for those with previous medical history.

3. Self-funded supplementary medical insurance beyond medical insurance coverage.

Insurance amount: 165438+ ten thousand;

Deductible: 1.6 million deductible;

Reimbursement ratio: 60% compensation;

Note: The maximum payment limit of proton heavy ion therapy is 6.5438+10,000 yuan.

4. Medical insurance for special drugs and special medical consumables

Coverage: 500,000 (28 kinds of special drugs and 2 kinds of consumables);

Deductible: 1 1,000 yuan deductible;

Reimbursement ratio: 70% for those without previous diseases and 60% for those with previous diseases.