What is the new medical insurance policy in 2022?

From June 5438+1 October1in 2023, the maximum payment limit for employees' medical insurance outpatient service will be abolished, in which the reimbursement rate for employees with less than 20,000 yuan remains unchanged, the reimbursement rate for employees with more than 20,000 yuan is 60%, and the reimbursement rate for retirees is 80% (including unified supplementary medical insurance for retirees). In this way, it is estimated that 6.5438+0.7 million insured persons will be benefited each year, and the burden of insured persons will be reduced by more than 65.438+0.00 billion yuan.

The latest two new rules of Beijing medical insurance reimbursement in 2022: the deductible line for serious illness of employees dropped to 30,404 yuan.

Starting from 2022, the minimum payment standard for employees' serious illness protection will be reduced from 39,525 yuan to 30,404 yuan. After the insured enjoys the treatment of basic medical insurance for urban workers, if the Qifubiaozhun exceeds the above part within one year, the accumulated personal out-of-pocket medical expenses for outpatient service and hospitalization shall be reimbursed by the medical insurance for serious illness of urban workers. Qifubiaozhun is 60% for reimbursement above 50,000 yuan (i.e. 30,404 yuan to 80,404 yuan), and 70% for reimbursement above 50,000 yuan (i.e. 80,404 yuan), with no upper limit.

Second, how to use the personal account of Beijing medical insurance in 2022?

From September, 2022 in Beijing 1, the personal medical insurance account will be used directionally, that is, the funds in the personal account should be used for special purposes. Through the gradual accumulation of funds in personal accounts, medical reserves are formed to solve the burden of medical expenses for individuals and family members and enhance their ability to resist risks. Now it is through family members using personal accounts to reduce the burden of family cash payment. Personal accounts are used in the order of spouse, parents and children of the insured. Generally speaking, personal accounts can be used for the expenses paid by individuals for purchasing drugs in the medical insurance catalogue and the expenses borne by individuals for purchasing drugs, medical devices and medical consumables outside the medical insurance catalogue.