China's provisions of the foreign medical insurance can be reimbursed, which is to reduce the financial burden of many people outside the foreign country, to protect the minimum right of the foreign people's medical treatment.
One, foreign medical insurance reimbursement process
1, receive or download on the social security website, "the city's basic medical insurance to work, live in a different place, the situation of the person declaration form" (hereinafter referred to as "declaration form");
2, fill in the required, and by the field social insurance (medical insurance) agencies stamped recognized "declaration form";
3, will fill out the After the "declaration form" to take back to the division of responsibility for the social insurance agency to review and confirm. Shall apply for the province's medical card, after the audit confirmation by the "declaration form" to the municipal social security center audit section for registration, and then to the social security card management section for the province's network of cards for the card procedures;
4, for the preparation of the individual social security card can not be used in the use of the insured; insured persons to return to have to be in the medical treatment should be canceled in the municipal social security institutions medical preparation, from the next day onwards, its personal Social security card can be used in the designated medical institutions;
5, the implementation of medical reporting changes in the report, no change in the principle of non-reporting.
The reimbursement rate of outpatient medical insurance (up to 90%)
1, outpatient reimbursement rate
General outpatient clinic does not set a starting line of general outpatient clinic treatment for all insured residents. Within a medical insurance year, there is no starting line for general outpatient treatment, and medical expenses within the scope of the outpatient coordinating fund are reimbursed at a rate of 60%, with an annual individual maximum payment limit of 400 yuan for the coordinating fund.
2, hospitalization reimbursement rate
Continuous participation in the longer the reimbursement rate of the larger the insured residents to pay continuous contributions for every five years, the hospitalization reimbursement rate of the medical insurance fund increased by 5 percentage points, the cumulative total of not more than 10 percentage points. If you have been insured for 10 consecutive years since 2007, the reimbursement rate for hospitalization in a tertiary, secondary and primary hospital will be 70%, 80% and 90% respectively.
3, the second reimbursement rate
"Second reimbursement" may also have "reimbursement" in the insured residents of a single hospitalization incurred in the medical expenses, is the urban residents of the basic medical insurance co-ordination fund within the scope of the payment of the part of the basic medical insurance co-ordination fund. After the proportionate payment of the integrated medical insurance fund, the personal burden of more than 8,000 yuan above the part of the major disease insurance funds for the excess part of the proportion of 55% to give the "second reimbursement".
If the medical expenses incurred by an insured resident who has been hospitalized several times in a year are more than 25,000 yuan, after the basic medical insurance and the "secondary reimbursement" have been paid, the part of the hospitalized medical expenses (including reasonable out-of-pocket expenses) that the insured resident has borne in total in a year exceeds 25,000 yuan, then the funds of the major disease insurance shall provide "secondary reimbursement" at the rate of 55% for the part of the expenses that exceeds 25,000 yuan. "re-reimbursement", the annual individual maximum payment limit of 250,000 yuan from the major disease insurance funds.
4, reimbursement
Annual maximum reimbursement of 370,000 yuan to participate in the city's urban residents' health insurance residents, its annual payment limit of 120,000 yuan of basic medical insurance, the payment limit of 250,000 yuan of major disease insurance. Therefore, YINO Finance found that participants can be reimbursed up to 370,000 yuan per year.
Legal Objective:The People's Republic of China*** and the State Social Insurance Law
Article 28
Medical expenses that are in line with the basic medical insurance drug catalog, diagnostic and therapeutic items, standards of medical service facilities, as well as those for emergency and rescue, shall be paid out of the basic medical insurance fund in accordance with state regulations.
The Social Insurance Law of the People's Republic of China
Article 29
The portion 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.