What medical insurance knowledge do you know that people who pay medical insurance should know?

People should have a sense of risk all their lives, and insurance exists to avoid these risks for the people. Especially in medical insurance, everyone grew up eating whole grains, and it is inevitable that there will be big and small problems in the body. With medical insurance, you can provide more protection for yourself. Even if the elderly are unfortunately seriously ill, they can enjoy the help of the government to reduce the burden of medical expenses and prevent "poverty due to illness". So how much do you know about medical insurance? Today, I will talk to you about these two medical insurance tips.

First, the identity of the insured.

In the process of medical insurance reimbursement, we are most concerned about the reimbursement ratio. Medical insurance is divided into employee medical insurance and resident medical insurance, and then it will be divided into working, retired and urban and rural residents. Some friends think it is not very useful to distinguish these, but in fact, some universities are asking. Generally speaking, the proportion of medical insurance reimbursement for retired employees will be higher than that of on-the-job employees, and the proportion of on-the-job employees will be higher than that of residents' medical insurance.

Take Beijing as an example, the same people need to be hospitalized. If you are a retired employee, assuming that the medical expenses are between 40,000 yuan and 654.38+10,000 yuan, you can reimburse 99. 1% when you go to a first-class hospital, and 98.5% when you go to a third-class hospital. However, if you are an on-the-job employee, the same medical expenses can be reimbursed by 97% in a first-class hospital and 95% in a third-class hospital. If you are a medical insurance for urban and rural residents, the first-level hospital can reimburse 80%, the second-level hospital can reimburse 78%, and the third-level hospital can reimburse 75%. Speaking of which, let's popularize it for everyone. The higher the hospital level, the lower the reimbursement rate. This is also to balance the problem of medical staff, let everyone go to a small hospital as far as possible for minor illnesses, and leave serious illnesses to those who really need them.

Second, special circumstances.

There is a situation among ordinary people that public hospitals reimburse more than private hospitals. Actually, this statement is wrong. At the same level, the reimbursement ratio of public hospitals and private hospitals is the same, which we should bear in mind. Moreover, what really affects the reimbursement ratio is not the difference between hospitals, but the accumulated amount of individual medical insurance accounts, special diseases, imported drugs, specific drugs, diagnosis and treatment projects and other special factors. The difference of these factors will lead to different reimbursement rates. Not only that, but the reimbursement ratio of each hospital in each city is also different. Before seeing a doctor, everyone should consult the relevant departments in advance to ensure that the information is accurate before using it, so as to be aware of it.