1. Know your own situation: the elderly must first know whether they have chronic diseases and understand the local medical insurance policy and coverage;
2. Choose the type of medical insurance: the elderly can choose basic medical insurance, commercial medical insurance or residents' health insurance, among which residents' health insurance is a medical insurance system for urban and rural residents with wide coverage and many types of chronic diseases;
3. Apply for medical insurance for chronic diseases: The elderly can apply to the local social security department or the resident medical insurance agency, and submit personal basic information and medical certificates. Medical certificates include chronic disease diagnosis certificate, doctor's diagnosis certificate, hospitalization medical records, etc.
4. Waiting for approval: the social security department or the resident medical insurance agency will review and approve the application submitted by the elderly, which usually takes several working days to several weeks;
5. Paying premiums: After the elderly are approved to join the medical insurance for chronic diseases, they need to pay premiums according to regulations;
6. Enjoy security: After the elderly join the medical insurance for chronic diseases, they can enjoy the corresponding medical security services, such as outpatient service, hospitalization, special examination, reimbursement of drugs, etc.
The conditions of medical insurance for chronic diseases are as follows:
1. Suffering from chronic diseases that meet the requirements of local medical insurance policies: the types and quantities of chronic diseases are determined according to the requirements of local medical insurance policies, and the elderly need to provide corresponding medical certificates;
2. Age and living conditions in line with local medical insurance policies: different regions and different types of medical insurance requirements may be different, and the elderly need to know the specific situation from the local social security department or the resident medical insurance agency;
3. Join local medical insurance or residents' medical insurance: The elderly need to join local medical insurance or residents' medical insurance in order to enjoy the medical insurance service for chronic diseases.
The information required for medical insurance for chronic diseases includes the following contents:
1. Personal basic information: including name, ID number, gender, age, contact information, etc.
2. Medical certification documents: including chronic disease diagnosis certificate, doctor's diagnosis certificate, hospitalization medical records, etc. The types and quantity of chronic diseases depend on local medical insurance policies and regulations;
3. Residents' health records: including basic health information, chronic disease treatment, drug use, etc.
4. Other supporting documents: Other supporting documents may be needed, such as proof of accommodation and proof of income.
To sum up, there may be differences in medical insurance policies and regulations in different regions, and the elderly should abide by the relevant local regulations when applying for and enjoying medical insurance services for chronic diseases. After applying for medical insurance for chronic diseases, the insured suffers from the chronic diseases designated by medical insurance and is diagnosed, the attending physician of the designated medical institution in this city with corresponding diagnostic qualifications fills in the diagnosis certificate of chronic diseases designated by medical insurance, and the deputy chief physician signs it above, and the medical insurance department of the designated medical institution reviews and seals it. Input the medical insurance information system, and the medical insurance information system will automatically register and treat the chronic diseases designated by the outpatient department.
Legal basis:
Article 28 of People's Republic of China (PRC) Social Insurance Law
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Article 29
The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units.
The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.