What does medical insurance conceit mean?

Medical insurance self-sufficiency refers to part of the expenses that patients need to pay in medical services, which are borne by patients themselves and are not included in the scope of reimbursement of medical insurance funds. The amount of out-of-pocket expenses depends on the nature, items and expenses of medical services. Compared with the completely self-funded situation, patients can get certain subsidies within the scope of medical insurance, which reduces the burden of medical expenses. The self-paid amount needs to be settled at the time of seeing a doctor, and patients need to know their own medical insurance policies as much as possible to avoid unnecessary expenses.

The self-covered scope of medical insurance mainly includes medical expenses such as medical expenses, medicine expenses and inspection fees. Among them, the items with a high proportion of conceit are usually special types of drugs, high-end medical services, and the use fees of high-tech medical equipment. The self-funded amount of these projects is generally high, and the self-funded expenditure can be enhanced and reduced by purchasing commercial medical insurance and critical illness insurance.

When patients enjoy medical insurance reimbursement, they should carefully read the relevant policy terms and understand different regions and types of medical insurance policies and their own scope of application. Rational use of medical services and drugs and mastery of the rules for the use of medical insurance funds will help patients save medical expenses. Medical insurance conceit is an integral part of the security system, and it is also a way to encourage citizens to protect themselves and manage themselves.