To use the health insurance, first of all we have to go to the health insurance designated hospitals, at present almost all public hospitals and some private hospitals belong to this scope, generally not wrong. Then, whether we can be reimbursed for the medicines we take depends on whether we meet the three conditions for reimbursement by the social security system.
About the new changes in health insurance, you may want to take a look at this article:
"May 1, 2021, the new rules of health insurance officially came into force, what will be the impact on us?
Specifically which are the three catalogs? Take a look!
1. Drug Catalog
Drug Catalog means that reimbursement is only possible when a doctor prescribes a drug within the scope of the covered catalog. Drugs are generally categorized into, A, B, and C; basic health insurance usually reimburses for A and B drugs, while C drugs are out-of-category and self-financed.
2. Diagnostic and treatment item catalog
Generally refers to the medical services provided by the designated hospitals for the patients, such as treatment fees, examination fees, surgical fees and so on;
There are some common items that cannot be reimbursed; such as: registration fees, case fees, out-of-hospital consultation fees, expedited fees for examinations, named surgical fees, medical checkups and so on.
There are some common items that cannot be reimbursed.
3. Services and facilities
Services and facilities mainly refer to the cost of beds, and there is generally a reimbursement ceiling; usually, the beds in ordinary wards are within the scope of reimbursement; if you have a higher demand for hospitalization environment and need to stay in the VIP wards, you need to pay for it yourself.
4. Starting line
Basic health insurance has different starting lines for different hospitals in different cities, meaning that you need to reach the starting amount to get reimbursed for your medication.
Summary
Medicare is a very practical basic medical insurance, daily life will inevitably encounter the disturbance of the disease, medical insurance can greatly reduce our expenditure, it is necessary to take out insurance.
But, health insurance as a benefit to the people's service is always limited, when we encountered a major risk of disease, health insurance can play a role in the role is not so great, this time we need to use commercial insurance to supplement the shortcomings of the health insurance, protection comprehensive.