The "National Health Insurance" in Shaanxi Province is an inclusive supplementary medical insurance customized according to the medical insurance data and health status in Shaanxi Province. All urban workers in Shaanxi Province, participants in the basic medical insurance for urban and rural residents in Shaanxi Province and "new citizens" in Shaanxi Province can participate in the insurance. It has the characteristics of "low threshold and high security" and is not limited by age, health status, past medical history and occupation type. Regardless of men, women and children, the city's unified pricing is basically implemented, which is closely linked with the basic medical insurance in Shaanxi Province. # Who is suitable for universal medical insurance in Shaanxi #
It is understood that "low premium and high security" is one of the characteristics of Huimin medical insurance. The annual premium is only 100 yuan per person, and the maximum annual medical insurance can be 4.5 million, covering three major security responsibilities, which not only takes into account the hospitalization expenses within the basic medical insurance, but also the hospitalization expenses outside the medical insurance, including 36 kinds of high special drug reimbursement expenses. Namely:
Responsibility 1: Insurance premium for hospitalization (including outpatient special treatment) in the basic medical insurance catalogue. After the reimbursement of medical insurance, if the related expenses incurred in hospitalization in the designated medical institutions of medical insurance exceed the annual deductible of 6.5438+0.2 million yuan, they can be reimbursed according to the proportion of 80%, and the maximum annual compensation can be 6.5438+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 an annual deductible of 6.5438+0.8 million yuan, and the reimbursement rate is 60%, and the maximum annual compensation can be 6.5438+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". Responsibility 2 * * * enjoys an annual deductible of 6.5438+0.8 million yuan, with an reimbursement rate of 80%, and the highest annual compensation can be 6.5438+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%.
Unlike most commercial insurance, the "National Health Insurance" in Shaanxi is not limited by age, household registration, occupation and health status. There is no need for physical examination and no waiting period, and multiple payments can be made during the guarantee period, so that every resident in the province can get supplementary protection other than medical insurance. Insured persons who are hospitalized in the designated medical institutions of basic medical insurance in Shaanxi Province can enjoy the "one-stop claim settlement" service when they are discharged from the hospital for medical insurance settlement, and there is no need to handle additional claims.
If you have four major past diseases before insurance (see the insurance clauses on the Alipay APP insurance page for details), or have enjoyed the treatment of critical illness insurance (large amount of Medicaid) within 2 years, you belong to the group with past diseases.
At present, "National Health Insurance" has successfully opened a number of online channels. Search for "National Health Insurance" on Fu Bao APP, and you can enter the product page to view information such as insurance instructions, insurance clauses, and claim settlement strategies. After filling in your personal information, you can apply for insurance. "National Health Insurance" supports the payment of personal account balance of medical insurance. On the premise that the balance of medical insurance personal account is sufficient, I can not only insure myself with the balance of medical insurance personal account, but also insure my family (parents, spouse and children) without additional payment.
In addition, in addition to the local citizens who participate in medical insurance, the "new citizens" of Shaanxi Province who participate in basic medical insurance in different places (people who have lived in Shaanxi Province for a long time and participated in basic medical insurance in other areas) can also directly participate in insurance, which greatly broadens the insured population and coverage.