Since 20021,more than 200 cities in 28 provinces have successively launched Huimin insurance products, and Shaanxi people have their own provincial Huimin insurance under the guidance of government departments!
What is the exclusive city Huimin insurance? What are the advantages of exclusive cities for benefiting the people? Which groups need insurance? Please keep this detailed question and answer!
1. What is the "national health insurance" in Shaanxi?
Shaanxi "National Health Insurance" is the first supplementary commercial medical insurance project guided by the government in Shaanxi Province. This is promoted by Shaanxi Provincial Medical Insurance Bureau, Shaanxi Provincial Department of Finance, Shaanxi Provincial Taxation Bureau and Shaanxi Provincial Banking Supervision Bureau as a whole, aiming at the basic medical insurance and "new citizens" (people who have lived in Shaanxi for a long time). Under the guidance and support of the government, it is a good partner of Shaanxi residents and is closely linked to the basic medical insurance.
Shaanxi's "universal medical insurance" can be supplemented and reimbursed on the basis of medical insurance, mainly for reimbursement of major disease treatment expenses, covering both inside and outside medical insurance, aiming at reducing the economic burden brought by serious illness and serious illness to residents.
2. What does the "National Health Insurance" in Shaanxi cover?
From the specific security point of view, Shaanxi's "national health" pays more attention to the three major security responsibilities. Not only the hospitalization expenses within the scope of basic medical insurance, but also the hospitalization expenses outside the scope of medical insurance, including the high reimbursement expenses of 36 special drugs.
Responsibility 1: Insurance premium for hospitalization (including outpatient special treatment) in the basic medical insurance catalogue. After medical insurance reimbursement, if the expenses related to hospitalization in designated medical institutions exceed the annual deductible line 10000 yuan, they can be reimbursed at the rate of 80%, and the maximum annual compensation can be 654.38+0.5 million yuan.
Responsibility 2: Insurance of hospitalization expenses outside the basic medical insurance catalogue. For medical treatment in medical institutions designated by medical insurance, the third liability * * * enjoys the annual deductible line 10000 yuan, and the reimbursement rate is 60%, and the maximum annual compensation can be 654.38+0.5 million yuan. It also includes popular proton and heavy ion cancer treatment technologies.
Responsibility 3: Domestic specific drug cost insurance, including 19 major diseases and 36 domestic specific high-priced drugs, including the current popular cancer therapy "CAR-T therapy". The liability insurance II * * * enjoys an annual deductible of 10000 yuan, and the reimbursement ratio is 80%, and the maximum annual compensation can be 65,438 yuan +0.5 million yuan. There are also domestic special medicine direct compensation services, home delivery and other special medicine services. At the same time, for patients with previous diseases, the annual deductible of products will be increased to 20,000 yuan, and the reimbursement ratio will be reduced to 30%.
3. Where is the advantage of national health in Shaanxi?
The insurance cost is low and the safety is high.
Each person can enjoy up to 4.5 million medical insurance at a cost of 100 yuan per year and only 10 cents per day.
The threshold for participation in insurance is low and there are few restrictions.
Regardless of age, household registration, occupation and health status.
Insured personnel of basic medical insurance for urban workers in Shaanxi Province
Insured personnel of basic medical insurance for urban and rural residents in Shaanxi Province
All "new citizens" who have lived in Shaanxi Province for a long time can participate in the insurance.
You can buy it if you have major surgery or chronic diseases.
PS: A "new citizen" in Shaanxi refers to a person who has participated in medical insurance in a different place, but has lived in Shaanxi for a long time and can provide a residence permit or other relevant certificates in Shaanxi Province.
Convenient way to participate in insurance
You don't need to run errands offline, and your mobile phone can handle it.
Officially designated insurance entrance:
Search for "National Health Insurance" in Shaanxi on Alipay App to enter.
Ant insurance channel insurance
Ant Insurance, as one of the officially designated insurance portals, not only supports the payment of personal account balance of medical insurance, but also provides personalized service options, such as: 7x24-hour online Q&A by free housekeeper, family doctor and so on.
4. Which groups in Shaanxi need to participate in "universal health insurance"?
"Low premium, low threshold and high security", fully consider the high medical burden that sick people and new citizens will face in the future. It can effectively alleviate the medical expenses of seriously ill groups, and it is a relatively high neutral choice of supplementary medical insurance besides basic medical insurance.
It is reported that the current round of "National Health Insurance" in Shaanxi is concentrated from 65438+2023 10 to February 28, 2023. Medical behaviors that occur after the guarantee period is from 2023 1 October 1 day to February 2023 1 day, that is, 65438+1October1day, can be reimbursed as long as they meet the claim conditions.
(Editor: Li Jiaxin)