Coverage of Shaanxi National Health Insurance:
1. Medical expenses insurance for hospitalization (including outpatient special treatment) in the basic medical insurance catalogue. That is, the medical expenses incurred by the insured in the designated medical institutions of medical insurance due to diseases or accidents in the catalogue and the medical expenses for special outpatient treatment that meet the payment scope of basic medical insurance, after compensation by basic medical insurance, serious illness insurance and medical assistance, the deductible line is 6.5438+0.2 million yuan, the reimbursement ratio is 80%, and the annual payment limit is 6.5438+0.5 million yuan.
2. Hospitalization medical expenses insurance outside the basic medical insurance catalogue. That is, the necessary and reasonable medical expenses outside the basic medical insurance catalogue of the insured due to illness or accident, the deductible line is 6.5438+0.8 million yuan, the reimbursement ratio is 60%, and the annual payment limit is 6.5438+0.5 million yuan.
3. Domestic specific drug cost insurance premium. The insured is diagnosed as suffering from 19 major diseases and 36 diseases and indications corresponding to the domestic catalogue of specific drugs by specialists in designated medical institutions of medical insurance, and enjoys the necessary and reasonable deductible line for specific drugs 18000 yuan, with 80% reimbursement rate and payment limit 15000 yuan. At the same time, for patients with previous diseases, the deductible is raised to 20,000 yuan, and the reimbursement ratio is reduced to 30%.
Shaanxi national health insurance can be used as a supplement to the basic medical insurance to reduce the economic burden of the insured. If the insured needs it, Shaanxi universal health insurance can be considered.