Medical insurance for employees refers to a kind of social insurance paid by enterprises for employees, aiming at ensuring that employees can get timely and effective medical treatment when they are sick and injured. As primary medical institutions, township hospitals undertake the task of providing basic medical services to residents in rural and urban fringe areas. In order to encourage workers to seek medical treatment at the grass-roots level and reduce the burden of medical expenses, the state and local governments have given high policy support to the reimbursement ratio of township hospitals.
1. Understanding local policies: First of all, employees need to understand the medical insurance policies in their areas, including the specific provisions such as reimbursement ratio, reimbursement scope and reimbursement limit of township hospitals. This information can be obtained by consulting the personnel department of the unit, consulting the government official website or calling the social security hotline.
2. Choose compliant medical institutions: When seeking medical treatment, employees should choose township health centers that meet the designated conditions of medical insurance. These hospitals usually have good medical facilities and technical level, and can provide standardized and effective diagnosis and treatment services for patients. At the same time, compliant medical institutions can also ensure that patients' medical expenses are reasonably reimbursed.
3. Keep relevant vouchers: During medical treatment, employees should properly keep all medical expense invoices, diagnosis certificates, medical records and other relevant vouchers. These vouchers are an important basis for reimbursement of medical expenses, and they are also an important basis for medical insurance departments to review reimbursement applications.
4. Reimbursement according to the prescribed procedures: After completing medical treatment, employees should go through the reimbursement procedures according to the prescribed procedures of the medical insurance department. This usually includes filling out the reimbursement application form, submitting relevant vouchers, waiting for the medical insurance department to review and so on. When handling reimbursement procedures, employees should ensure that the information and materials provided are true, complete and accurate, so as not to affect the reimbursement results.
5. Pay attention to policy trends: Workers should pay attention to the dynamic adjustment of national and local government medical insurance policies and keep abreast of the changes in reimbursement ratio of township hospitals. If you find that the policy has been adjusted, you should consult the personnel department or medical insurance department of your unit in time to ensure that your rights and interests are protected.
To sum up, the proportion of medical insurance reimbursement for workers in township hospitals is determined according to the policies and regulations of the state and local governments. Generally speaking, the reimbursement rate of township hospitals is between 60% and 90%. In order to ensure that their medical expenses are reasonably reimbursed, employees need to understand local policies, choose compliant medical institutions, keep relevant vouchers, handle reimbursement according to prescribed procedures, and pay attention to policy trends.
Legal basis:
People's Republic of China (PRC) social insurance law
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.