How to reimburse medical insurance for serious illness? Exclusive solution customized for Hubei people.

It is difficult and expensive to see a doctor. When you hear of a serious illness, does your heart begin to ache for your meager salary? But don't be afraid, the new policy about Hubei people is coming! 1October 6 165438 "Notice of the General Office of the Provincial People's Government on Further Improving the Work of Serious Illness Insurance for Urban and Rural Residents" was published to do more to help patients. Today, I will teach consumers in Hubei how to make reimbursement for serious illness medical insurance. 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!

How should medical insurance for serious illness be reimbursed?

Many people will ask what is a serious illness, and what kind of illness is a serious illness in Chen Can? In fact, there is no specific medicine for serious illness. It is defined by the occurrence of high medical expenses, not by diseases. As long as the high medical expenses incurred by the insured in hospitalization and outpatient treatment of special chronic diseases are reimbursed by the basic medical insurance, the personal burden exceeding the deductible standard will be guaranteed and will not be limited by the disease. Have chronic diseases or three high hepatitis B and other minor problems and don't know how to buy insurance? This strategy must be read: 9 categories and 39 kinds of physical abnormalities, disease insurance strategy!

According to the Notice of the General Office of the Provincial People's Government on Further Improving the Work of Serious Illness Insurance for Urban and Rural Residents, during the period of 20 17-20 18, the deductible line of serious illness insurance determined by Hubei Province is 55% of the accumulated amount 12000 -30000 yuan (including 30000 yuan); 30,000-65,438+10,000 yuan (including 65,438+10,000 yuan) and the following part will be paid 65%; 75% will be paid for the part above RMB 65,438+10,000, but the maximum annual payment cannot exceed RMB 300,000. When calculating the accumulated personal burden of serious illness insurance, the amount of medical assistance previously enjoyed by the insured is not deducted. Compared with the previous policy, the deductible is increased by 4,000 yuan and the reimbursement ratio is increased by 5%. This is the government's effective guarantee and accurate assistance to the needy groups, such as patients whose personal burden is still too heavy after basic medical insurance reimbursement and serious illness insurance compensation, poor people who have no money to give up medical treatment and precise poverty alleviation targets.

From the above information, we can see that the Hubei provincial government is improving our medical security step by step according to its own geographical and financial situation. But I also want to suggest that you can buy yourself another commercial critical illness insurance if economic conditions permit. After all, the protection provided by the government is limited, because it is considered by the people of the whole province. In order to be foolproof when the disease comes, it is necessary to buy commercial critical illness insurance.

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Payment standard of serious illness medical insurance in Beijing

In order to ensure the medical needs of urban workers for major diseases, a special medical insurance fund, namely Beijing Medical Insurance for Serious and Extraordinary Diseases, has been established. It is used to pay the medical expenses (excluding out-of-pocket expenses) that the insured person has accumulated over the maximum payment limit of basic medical insurance (40,000 yuan) during the year of participating in the basic medical insurance for urban workers. These Provisions shall apply to local enterprises and their employees and retirees in cities, districts and counties within the administrative area of this Municipality.

Which is better, medical insurance for serious illness or medical insurance?

As the saying goes, "health is the capital of revolution", and everyone wants to be healthy. However, everyone will get sick more or less in his life, especially after entering middle-aged and elderly people, and the probability of getting sick will increase with age. So many people focus on insurance products. Among them, critical illness medical insurance and medical insurance are the most popular. So when people buy insurance, do they choose medical insurance for critical illness or medical insurance? Let's analyze it for everyone.