2. Hospitalization insurance. Mainly daily hospitalization fees, the cost of using hospital equipment, surgical costs, medical expenses, etc..
3. Surgical insurance. Provides for all expenses incurred due to necessary surgery required by the patient.
4. Comprehensive medical insurance. Its cost coverage includes all costs of medical treatment and hospitalization and surgery, etc.
5, special disease insurance. Certain special diseases often bring the patient a catastrophic cost payment, the average resident family can hardly afford. Examples include cancer and heart disease. Provide coverage for policyholders of major diseases, can be a single, such as malignant tumors, or even malignant tumors in a certain number of cancers.
The classification of medical insurance reimbursement and the items included are as follows:
1. General medical insurance. It mainly includes outpatient costs, medicine costs, examination costs and so on.
2, hospitalization insurance. It mainly covers daily hospitalization fee, cost of utilizing hospital equipment, surgery cost, medicine cost, etc.
3. Surgical insurance. Provides for all expenses incurred due to necessary surgery required by the patient.
4. Comprehensive medical insurance. Its cost coverage includes all costs of medical treatment and hospitalization and surgery, etc.
5, special disease insurance. Certain special diseases often bring the patient a catastrophic cost payment, the average resident family can hardly afford. Examples include cancer and heart disease. Provide coverage for policyholders of major diseases, can be a single, such as malignant tumors, or even malignant tumors in a certain number of cancers.
Can money be taken out of a health insurance policy
Money in a health insurance policy usually cannot be taken out.
But in the following three cases, the money in the card can be withdrawn for use:
1, the termination of the use of the card. If a participant dies, relatives can withdraw the money with a death certificate;
2, the participant emigrates. With the certificate issued by the public security department for withdrawal procedures;
3, the transfer of foreign places. After enrolling in the local insurance, you can transfer the balance of the medical insurance account to the new account.
Medicare refers to social medical insurance. It is a social insurance system for the basic medical needs of workers when they are sick, which is provided by the state and society in accordance with laws and regulations. The advantage of medical insurance is to enjoy treatment according to uniform standards. The same conditions of access, the same charges, enjoy the same treatment, there is no difference between high and low. Employees' outpatient expenses can be deducted from their personal accounts, and after the deduction, the employees will pay by themselves. Employees' hospitalization expenses are reimbursed on a pro-rata basis, usually 86% by tertiary hospitals for $10,000 expenses, 88% by tertiary hospitals for $10,000 to $20,000 expenses, and 92% by tertiary hospitals for $20,000 to $40,000 expenses. If the employee does not get sick for several consecutive years personal account funds can be accumulated and rolled over.
I hope the above can help you, if you have other questions please consult a professional lawyer.
Legal basis:
The Chinese People's **** and the State Social Insurance Law
Article 28
In line with the basic medical insurance drug directory, diagnostic and therapeutic items, standards of medical services and facilities, as well as emergency and rescue medical expenses, in accordance with the provisions of the State to be paid from the basic medical insurance fund.
Article 29
The portion of the medical expenses of the insured 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.