Chongqing express insurance is basically a zero threshold for Chongqing people. As long as you have participated in the basic medical insurance for urban workers and the medical insurance for urban and rural residents in Chongqing, including the original new rural cooperative medical system, you can participate in the insurance. There are no occupational restrictions, so as long as there is Chongqing medical insurance, farmers and high-risk occupational groups can participate in the insurance.
Chongqing Chongqing Express Insurance is not limited by age and health. Whether it is a newborn child or a centenarian, all ages can buy it at the same price. Sickness insurance can be insured to compensate for past diseases, but the proportion of reimbursement for people with past diseases will be reduced.
The coverage of Chongqing Express Insurance consists of three parts, namely, hospitalization and special disease outpatient service within medical insurance, hospitalization and special disease outpatient service outside medical insurance, and specific out-of-hospital drug expenses. The first two responsibilities are not limited by diseases, and as long as the medical expenses incurred by the insured meet the claim standard, they can all be reimbursed. However, there are restrictions on specific drugs outside the hospital, including tumor-specific drugs 3 1 species and rare disease-specific drugs 1 1 species. The specific drugs and indications are stipulated in the insurance clauses, and the drugs that occur are not within the scope, and the insurance company will not reimburse them.
laws and regulations
Regulations of People's Republic of China (PRC) Municipality on Basic Medical Insurance for Urban Workers
Article 3 The basic medical insurance fund for urban workers shall be established, and the system of combining individual medical accounts (hereinafter referred to as individual accounts) with the basic medical pooling fund (hereinafter referred to as pooling fund payment) shall be implemented. The ownership of personal accounts belongs to individuals. The ownership of the overall fund belongs to all personnel participating in the basic medical insurance. Article 4 The basic medical insurance premium shall be borne by both the employer and the employees. Fifth basic medical insurance in principle to the city, county, autonomous county as a whole unit, the implementation of territorial management. Article 6 The basic medical insurance premium shall be collected by the local tax authorities of this province (hereinafter referred to as the tax collection authorities). Article 8 The amount of monthly wages paid by employees shall be determined according to their actual total wages, but it shall not be less than 60% of the average monthly wages of employees in the city, county and autonomous county where they are located in the previous year. The medical insurance premiums that should be paid by themselves shall be paid by the employer.