Employees or individuals who participate in medical insurance according to the law can be reimbursed for hospitalization bed charges, but the reimbursement standard varies from region to region. For example, in Changsha, the starting line for community health service organizations is 200 yuan, and the reimbursement rate is 85 percent; the starting line for third-class fee-charging standard medical institutions is 300 yuan, and the reimbursement rate is 70 percent; the starting line for second-class fee-charging standard medical institutions is 500 yuan, and the reimbursement rate is 65 percent; and the starting line for first-class fee-charging standard medical institutions is 1,100 yuan, and the reimbursement rate is 60 percent. In addition, ordinary bed charges in tertiary care hospitals are usually within the prescribed amount, but a certain percentage of the charges for advanced or private beds may have to be paid out of pocket. The local human resources bureau should be consulted for specific reimbursement.
Components of bed fees:
1. Basic bed fee: the fee charged by the hospital for basic accommodation services provided to patients;
2. Nursing care fee: the fee for daily nursing care services provided to patients according to the needs of their condition;
3. Extra service fee: if a patient chooses to stay in a single room or a special ward, an additional extra service fee may be incurred;
4. Equipment use fee: some special beds are equipped with advanced medical equipment, the use of which may require additional payment;
5. Meal cost: meal services provided by the hospital may be counted as part of the bed charge or as a separate charge.
In summary, the standard of reimbursement for the bed charge medical insurance varies from region to region, and you should consult your local human resources bureau for details.
Legal basis:
The Chinese People's **** and State Social Insurance Law
Article 28
In line with the basic medical insurance drug catalog, diagnostic and therapeutic items, medical service facility standards, as well as emergency, rescue medical expenses, according to the state provisions of the basic medical insurance fund to pay.