The urban workers' health insurance is in factories, units working people, also have their own purchase, is often referred to as "five insurance and one gold" in the medical insurance. The state requires business units to purchase insurance for individuals, this health insurance use a wide range of drugs, outpatient clinic, hospitalization, but also enjoy the outpatient reimbursement of major illnesses and maternity insurance. The cost of this health insurance is relatively high.
The reimbursement process has been simplified, patients do not need to go to the social security center for reimbursement, can be settled directly at the hospital site.
The process is:
Admission: patients with health insurance, social security registration procedures with ID cards, and then hospitalized in the ward.
When discharged: the doctor arranges for the patient to be discharged, and with the admission registration form and ID card goes to the hospitalization charge office for discharge settlement.
The urban residents' health insurance is for the urban unemployed, children without health insurance, the elderly, etc., who pay a fixed annual fee, usually ranging from 30-60 yuan, depending on the local policy. Resident health insurance participants can enjoy a small amount of reimbursement for outpatient expenses and a proportional reimbursement for hospitalization.
Currently, it is also possible to settle the bill directly at the medical insurance office set up at the hospital.
The process is as follows:
Admission: the insured person is admitted to the hospital with his ID card and the doctor's admission arrangement, and pays the hospitalization deposit first.
When discharged: the doctor arranges for discharge and goes to the hospital inpatient charge office to settle the discharge fee. Then the hospitalization bill, the fee bill, the insurance card and ID card, to set up in the hospital health insurance office for on-site settlement, reimbursement conditions must meet the conditions of the resident health insurance reimbursement, reimbursement rate is based on the level of reimbursement hospitals, and hospitals set up a reimbursement starting point. The actual actuality is that the particular person is not going to be able to get the actual person to do the job.
The new rural medical insurance is a kind of medical insurance system set up by the state for people with rural household registration, and it is a kind of new rural cooperative medical insurance which involves the widest coverage in China at present. With an annual fee of about 50 yuan, you can enjoy reimbursement of hospitalization expenses. Outpatient expenses are also reimbursed on a sliding scale. Some areas have been extended to rural doctors can be partially reimbursed
The new rural medical insurance hospitalization reimbursement is similar to the urban residents medical insurance reimbursement. Now it is also in the hospital medical insurance office direct settlement reimbursement.
The process is:
When admitted to the hospital, the insured person, with his ID card and the doctor's arrangement, first goes to the hospital inpatient charging office to go through the admission procedure and pays the hospitalization deposit.
When discharged from the hospital, the participant will be discharged according to the doctor's arrangement, go through the discharge procedures and settlement of expenses, and then bring the receipt, hospitalization bill, ID card, and medical insurance card to the medical insurance office, and go through the reimbursement of hospitalization.
The above three kinds of medical insurance reimbursement have now been simplified process, very convenient for the insured person reimbursement. However, the regulations and policies of each place are not the same. The specific operation should be in accordance with the local process.
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