Tax-free invoices can be reimbursed.
If the merchant or service provider has paid the tax for the purchase of goods and services to the government, the tax-free invoice can be reimbursed.
Reimbursement scope:
1. Insurance liability for hospitalization medical expenses within the scope of medical insurance
After being reimbursed by basic medical insurance, critical illness insurance, medical assistance, etc., it will still be borne by the individual If you bear part of the expenses in the medical insurance catalog, you will be responsible for payment within the agreed scope of insurance liability. 1 million insured amount, 15,000 yuan deductible, reimbursement ratio 80%, continuous insurance reimbursement ratio increased to 85%;
2. Insurance liability for hospitalization medical expenses outside the scope of medical insurance
For the expenses outside the medical insurance catalog that are still borne by the individual after being reimbursed by basic medical insurance, critical illness insurance, medical assistance, etc., the payment responsibility shall be borne within the scope of the agreed insurance liability. 1 million insured amount, 18,000 yuan deductible, reimbursement ratio 60%, continuous insurance reimbursement ratio increased to 65%;
3. Insurance liability for specific high-cost outpatient drugs
The portion of drug expenses incurred in designated hospitals and designated pharmacies shall be borne by the individual and shall be liable for payment within the scope of the agreed insurance liability. 700,000 insured amount, 26 kinds of drugs, and designated rare disease outpatient drugs/inpatient medical insurance. The insurance liability is 20,000 yuan deductible, and the compensation ratio is 80%;
4. Designated rare disease outpatient clinics Insurance liability for drug/hospital medical insurance expenses
For the drug expenses incurred in designated hospitals and designated pharmacies, the individual shall be responsible for payment within the agreed scope of insurance liability. The insured amount is 300,000 yuan, 12 kinds of drugs, and the insurance liability for specific high-cost outpatient drugs is 20,000 yuan deductible, and the reimbursement rate is 70%.
To sum up, it is closely connected with the characteristics of basic medical insurance (including basic medical insurance for urban employees and basic medical insurance for urban and rural residents) and inclusive prices. Focus on protecting high medical expenses caused by major diseases and accidental injuries, and provide more adequate protection for major diseases. Compared with general commercial insurance, there are no restrictions on the age and occupation of the insured, and the health conditions are also more tolerant. At the same time, this product also expands the treatment costs of 20 high-cost specific drugs and 10 designated rare disease drugs outside the medical insurance catalog.
Legal basis:
Article 2 of the "Insurance Law of the People's Republic of China"
The term "insurance" as mentioned in this law refers to the insurance policy stipulated in the contract by the policy holder. , pay the insurance premium to the insurance company, and the insurance company shall bear the liability for compensation for property losses caused by the occurrence of the accident that may occur as stipulated in the contract, or when the insured dies, becomes disabled, becomes ill, or reaches the age or age specified in the contract. A commercial insurance act that assumes responsibility for paying insurance benefits within certain time limits and other conditions.
Article 3
This Law shall apply to insurance activities conducted within the territory of the People’s Republic of China.
Article 5
The parties involved in insurance activities shall abide by the principle of good faith in exercising their rights and performing their obligations.