According to the implementation opinions of Wuhan, starting from February 1 2020, Wuhan will implement the policy of "diagnosis first and payment later" to ensure timely treatment of patients and reduce the burden on the masses. Severe patients can enjoy 90% of medical insurance reimbursement, including 50% for basic medical insurance and 40% for urban and rural residents. It should be noted that the scope of medical insurance reimbursement is limited to medical expenses that meet the relevant national and local regulations, such as hospitalization, medicine expenses, inspection fees, etc. , and need to seek medical treatment in designated medical institutions and issue corresponding medical expense settlement vouchers.
What should I do if I exceed the scope of medical insurance reimbursement? If it is beyond the scope of medical insurance reimbursement, the patient needs to bear the cost of the excess. You can consider purchasing commercial health insurance for supplementary protection. At the same time, the government is gradually improving relevant social assistance and medical assistance policies to help more patients with financial difficulties solve medical problems.
Implementing the proportion of medical insurance reimbursement for critically ill patients can improve the timeliness and effectiveness of treatment for critically ill patients and reduce the burden and social pressure of patients. However, it should be noted that the scope of medical insurance is limited to the medical expenses that meet the requirements, and the excess needs to be borne by individuals. Therefore, we should carefully choose and understand the relevant policies in purchasing commercial health insurance, social assistance and medical assistance in order to obtain more comprehensive medical security.
Legal basis:
"People's Republic of China (PRC) medical insurance regulations" Article 35 The medical insurance for major diseases shall be paid by pooling funds and individual accounts. The personal account balance is sufficient, and the part beyond the scope of basic medical insurance and other medical insurance is paid by the individual. The regulations clarify the payment method of medical insurance for major diseases, requiring individuals and pooling funds to bear part of the expenses. At the same time, the part beyond the scope of medical insurance responsibility needs to be borne by the individual.