What are the benefits of student medical insurance?
I. Due to illness:
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2, due to illness in the medical insurance designated hospitals and community health service centers for outpatient treatment, you can use outpatient co-ordination costs. The specific policy is: the outpatient service limit for one year is 150 yuan, including the personal deductible line, that is, the deductible line in 50 yuan, and the expenses below the deductible line and above the maximum payment limit shall be borne by the patients. The outpatient co-ordination fund pays 60% of the expenses above the deductible and below the maximum payment limit, and the rest is borne by the students themselves. If the student outpatient co-ordination fee is not used up in that year, the balance can be carried forward to the next year. The medical expenses of student outpatient service shall be settled directly in designated medical institutions with medical insurance cards. Students only bear the expenses that individuals need to pay, and the rest are directly settled by medical insurance agencies and designated medical institutions.
3, hospitalization due to illness, in line with the provisions of the basic medical insurance for urban residents, medical expenses, paid by the basic medical insurance fund for urban residents and individual students in proportion, the highest annual payment of 30 thousand yuan. ① Qifubiaozhun for hospitalization: 500 yuan for tertiary hospitals, 300 yuan for secondary hospitals, and 200 yuan for primary hospitals and primary community medical service institutions. ② Hospitalization reimbursement standard: 70% in tertiary hospitals; 75% reimbursement for secondary hospitals; First-class hospitals and grassroots community medical service institutions will be reimbursed 80%. Students who use Class B drugs during hospitalization shall bear the cost of 10% first, and then be reimbursed according to the above proportion; 50% for special examination and treatment during hospitalization (see Annex 1); The reimbursement standard for medical expenses transferred to higher-level hospitals outside the city is reduced by 8% on the basis of tertiary hospitals in this city. Students' hospitalization expenses are directly settled in designated medical institutions with medical insurance cards. Students only bear the expenses that individuals need to pay, and the rest are directly settled by medical insurance agencies and designated medical institutions.