What costs are not covered by hospitalization

The cost of a bed, the cost of nutritional injections, and the cost of medical treatment during hospitalization are excluded from reimbursement. If you have purchased a medical-related insurance policy, the expenses that can be reimbursed when the insured person is hospitalized include the daily hospital fee, the cost of using hospital equipment, the cost of surgery, and the medical expenses incurred during the hospitalization period. Generally speaking, the amount and percentage of reimbursement varies from one insurance policy to another. Medical insurance reimbursement scope means that in order to protect the basic medical needs of the insured, and to standardize the management of medication, diagnosis and treatment of the basic medical insurance, the basic medical insurance stipulates the scope of reimbursement of the drug list, diagnostic and treatment items and medical service facilities.

The Social Insurance Law of the People's Republic of China

Article 26: The standard of treatment of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with national regulations.

Article 27 Individuals who participate in basic medical insurance for employees and whose accumulated contributions have reached the number of years stipulated by the State when they reach the legal retirement age shall not pay any more basic medical insurance premiums after their retirement, and shall enjoy the basic medical insurance benefits in accordance with the State's stipulations; those who have not yet reached the number of years stipulated by the State may pay contributions up to the number of years stipulated by the State.

Article 28 is in line with the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, as well as emergency and rescue medical expenses, in accordance with state regulations from the basic medical insurance fund.

Article 29: The part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be settled directly between the social insurance administration organization and the medical institutions and drug business units.

The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.

Article 30 of the following medical expenses are not included in the scope of payment of the basic medical insurance fund:

(1) should be paid from the workers' compensation insurance fund;

(2) should be borne by a third party;

(3) should be borne by the public **** health;

(4) medical treatment outside the country.

Medical expenses shall be borne by a third person in accordance with the law, and if the third person fails to pay or if the third person cannot be identified, the basic medical insurance fund shall pay in advance. The basic medical insurance fund shall have the right to recover the costs from the third party after the first payment.