If the human papillomavirus test is a general outpatient examination and is not covered by medical insurance reimbursement, it will not be reimbursed, while if it is a hospitalization examination, it can generally be reimbursed in the hospitalization expenses. However, the standards implemented in different places and hospitals are different. According to the situation formulated by your hospital, the human papillomavirus test can be divided into condyloma acuminatum and cervical high-risk human papillomavirus infection.
Proportion of medical insurance reimbursement:
1. Medical insurance for urban and rural residents: The hospitalization expenses of insured residents within the policy scope of designated medical institutions in the overall planning area shall be paid by the urban and rural residents' medical insurance fund in proportion;
2. Outpatient reimbursement: village clinic: the hospital pays 70% and the insured residents pay 30%. Township hospitals and community health service centers: 60%, insured residents: 40%;
3. Hospitalization reimbursement: not less than 85% for town hospitals, not less than 70% for county hospitals, not less than 60% for municipal hospitals and not less than 50% for provincial hospitals. If the referral procedures are not handled according to the graded diagnosis and treatment system (except for the rescue of critically ill patients), the payment ratio will be reduced accordingly 15%.
To sum up, there are still great differences in medical insurance policies between regions. For example, in some areas, outpatient medical treatment is also reimbursed, and in some areas, outpatient medical treatment is completely at their own expense. This difference is mainly related to the local economy and medical insurance policy.
Legal basis:
Article 12 of the Social Insurance Law of People's Republic of China (PRC)
When concluding an insurance contract, the applicant for life insurance shall have an insurable interest in the insured. The insured of property insurance shall have an insurable interest in the subject matter insured at the time of the insured accident. Personal insurance is an insurance with human life and body as the subject matter. Property insurance is insurance with property and its related interests as the subject matter. The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. The applicant can be the insured. Insurable interest refers to the legally recognized interest of the insured or the insured in the subject matter of insurance.
Article 26
The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.