I. Insurance coverage
Medical insurance for urban and rural residents in Henan covers a wide range, including outpatient medical care, inpatient medical care and chronic medical care. Insured persons can choose the corresponding medical services according to their needs and enjoy the corresponding reimbursement of medical expenses.
Second, the mode of payment
The medical insurance for urban and rural residents in Henan is jointly paid by the government and individuals. The government will give some subsidies according to the financial situation, and individuals need to pay insurance premiums according to the prescribed standards. The determination of payment standard usually considers the local economic development level and residents' income.
Third, the reimbursement process
Insured persons are required to carry valid identity documents and medical insurance cards when seeking medical treatment. After seeing a doctor, it can be settled directly through the hospital or reimbursed by the social security department. When reimbursing, you need to provide relevant medical expenses invoices, prescriptions and other supporting materials, and apply according to the prescribed procedures.
Fourth, policy adjustment.
With the development of social economy, the medical insurance policy for urban and rural residents in Henan Province will be adjusted accordingly. The government will improve and optimize the insurance system according to the actual situation to better meet the people's medical needs.
To sum up:
Medical insurance for urban and rural residents in Henan Province is an important social security system, aiming at providing comprehensive medical security for urban and rural residents. The insured person can enjoy the basic medical insurance benefits by paying the insurance premium, including reimbursement for outpatient medical treatment and hospitalization medical treatment. At the same time, the government will adjust and optimize the insurance policy according to the actual situation to better protect the people's medical rights and interests.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23 provides that:
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
Article 25 provides that:
The state establishes and improves the basic medical insurance system for urban residents.
The basic medical insurance for urban residents combines individual contributions with government subsidies.
People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.