Do you know five situations in which medical insurance is not reimbursed?

With the accelerated pace of urban life, people's life pressure is increasing. Many people work irregularly, don't eat on time, go to work for a long time, and even stay up late to work overtime. In the long run, most people can't eat, and there will be some health problems, even serious hospitalization. When it comes to hospitalization, many people will think of medical insurance, because medical insurance reimbursement can help people reduce the huge economic burden. After all, it costs a lot of money to see a sick person. However, the scope of reimbursement for medical insurance is also limited. In the following five cases, medical insurance cannot be reimbursed:

First, I didn't see a doctor in a designated hospital.

Medical insurance cards must be used in hospitals designated by the state. If you don't see a doctor in a designated hospital, then the hospitalization expenses can't be reimbursed. If you have to bear it all yourself, the economic pressure will be very great. Therefore, when you see a doctor, you'd better check your designated reimbursement hospital in advance to avoid being unable to reimburse.

Second, it did not reach the medical insurance deductible line.

Generally speaking, the "medical insurance deductible line" is the threshold for medical insurance reimbursement. If you don't reach this threshold, you can't enjoy medical insurance reimbursement. The standard of medical insurance deductible is determined by the local economic level, so the deductible is different in different places, and the standard of medical insurance deductible has a certain relationship with the level of hospitals. The deductible line in tertiary hospitals is the highest, followed by secondary hospitals and the lowest in primary hospitals. In other words, the higher the medical level, the higher the deductible for medical insurance reimbursement.

Third, exceed the medical insurance cap line.

There is also a limit for medical insurance reimbursement. After all, China has a large population, and the pressure of medical insurance reimbursement is very great. Therefore, the state has stipulated the capping line for medical insurance reimbursement, and beyond the capping line, patients need medical expenses at their own expense, and medical insurance will not be reimbursed. But don't worry too much. Most people's medical needs can be met within the scope of medical insurance reimbursement. If you are still worried, you can choose to buy a commercial insurance, which can provide double protection.

Fourth, special medical care.

The scope of medical insurance reimbursement usually includes routine items such as registration fee, medical treatment fee, examination and treatment fee and operation fee. And cosmetic surgery, weight loss increase, various health checkups, etc. , does not belong to the category of disease treatment, not within the scope of medical insurance reimbursement.

Fifth, buy specific drugs.

When you go to the hospital to see a doctor and prescribe drugs, drugs are usually divided into three categories: A, B and C, which are all included in the drug list of basic medical insurance. Class A drugs can be reimbursed by 65,438+000%, and class B drugs can be reimbursed by a certain proportion, such as anticancer drugs, imported specific drugs and newly developed drugs, which are not in the drug list. So these drugs can't be used for medical insurance. Moreover, in September this year, many drugs were added, such as health care drugs, diet pills, birth control pills, preventive vaccines, and drugs containing rare animals and plants in the country. These are not covered by medical insurance reimbursement and need to be purchased at their own expense.