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Can you get reimbursed for a Chinese hospital visit?
What items can be reimbursed by medical insurance are as follows:
1, hospitalization: medical insurance can reimburse for hospitalization due to illness or accident, including medical service fees, drugs, materials, examination fees, etc.
2, outpatient treatment: medical insurance can reimburse for outpatient treatment of medical fees, including registration fees, consultation fees, examination fees, drugs, etc;
3. Medical checkups: Medical insurance can reimburse individuals for medical checkups at their own expense.
It is important to note that regulations may vary from region to region and policy to policy, and the specific reimbursement scope and standards are subject to local policy.
Medical insurance reimbursement process:
1, confirm the scope of reimbursement: in the process of treatment, you need to confirm that their treatment items belong to the scope of reimbursement of medical insurance;
2, collection of reimbursement materials: collect the relevant records of treatment, drug receipts, medical cost lists and other related materials;
3, to the social security department to handle the reimbursement: submit the relevant materials to the local social security department for reimbursement;
3, to the local social security department for reimbursement.
4. Waiting for the audit: the social security department will conduct the relevant audit and comparison to confirm the reimbursement rate and reimbursement amount; receiving reimbursement: after the audit is approved, you can receive the reimbursement amount of the medical insurance at the designated bank.
Chronic disease medical insurance reimbursement standard:
1. The outpatient medical expenses incurred by patients with chronic diseases of category A in accordance with the regulations shall be paid by the integrated fund at 85%. The outpatient hemodialysis cost, peritoneal dialysis cost and the cost of taking cyclosporine A after organ transplantation for patients with chronic renal failure in the stage of renal failure will be increased by ten percentage points on the basis of the above;
2. Starting line standard for chronic diseases of category B: 300 yuan. The outpatient medical expenses incurred by patients with Class B chronic diseases in accordance with the regulations shall be paid at 80% of the portion above the starting line standard, and the maximum payment limit for chronic diseases shall not be exceeded in a medical year or within the validity period;
3. Participants can be recognized with two Class B chronic diseases at the same time, and the management of the two diseases shall be based on the first recognized, and the starting line shall be calculated separately for each disease type. The management of the identification of chronic diseases and the maximum payment limit will be adjusted by the human resources and social security department in due course according to the income and expenditure situation of the integrated fund. The criteria, rules and procedures for the identification of chronic diseases will be formulated separately by the municipal human resources and social security administration.
In summary, the medicines included in the scope of basic medical insurance payment are divided into two categories, Class A and Class B. The first category is the national basic medicines. Class A drugs are those that are basically unified nationwide and can guarantee the basic needs of clinical treatment. The costs of these drugs are covered by the basic medical insurance fund and are paid in accordance with the basic medical insurance payment standards. Moreover, the reimbursement of the cost of medical service facilities of the basic medical insurance covers the living service facilities provided by the designated medical institutions, which are necessary for the participants in the process of receiving diagnosis, treatment and nursing care, including mainly the cost of inpatient beds or the cost of outpatient inpatient beds.
Legal basis:
Article 28 of the Social Insurance Law of the People's Republic of China
Medical expenses that are in line with the basic medical insurance drug catalog, diagnostic and treatment items, and standards of medical service facilities, as well as those for emergency and rescue, shall be paid out of the basic medical insurance fund in accordance with state regulations.
Article 29
The portion of the medical expenses of insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance administration organization and the medical institutions and drug business units.
The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.
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