1. After deducting the deduction in 2000, the hospitalization expenses paid by individuals in social security will be deducted by 70% in social security;
2. 15 expenses of specific drugs can be guaranteed to be reimbursed by 70%.
Sue is a supplement to the basic medical insurance. The coverage can supplement the deficiency of medical insurance to a certain extent and increase the safety of medical insurance. Su basically has no insurance threshold. As long as you participate in the basic medical insurance in Suzhou, you can participate in the insurance, regardless of age or occupation. For the elderly or people in poor health, Su Haibao is well worth buying. But if you are in good health, it is not worth taking out insurance for Sue. We can choose more millions of medical insurance.
Sue is usually guided by the government. At the same time, the government will actively cooperate with the publicity work of insurance companies, but this does not mean that it is government insurance. The government does not have the commercial qualification of an insurance company. Strictly speaking, Sue actually underwrites the company's insurance products, not the government's insurance. At present, Huimin medical care in most cities is guided and supported by the local government and underwritten by branches of local insurance companies. However, the government does not participate in claims settlement, and only the insurance company is responsible. Some Huimin insurance companies have no government support. Due to poor management, the shelves are easily removed. So when we buy insurance, we'd better buy insurance with government participation.
Su's main security includes hospitalization expenses and 15 high medical expenses. The annual premium is also very cheap, not to 50 yuan. Medical expenses guarantee includes outpatient and hospitalization expenses. This guarantee responsibility accounts for 20,000 yuan. Before 70%, the annual deduction of 20,000 yuan can be reimbursed. In addition, it should be noted that the guarantee of medical expenses is limited to the expenses within the scope of social security, and the out-of-pocket part outside social security will not be reimbursed. Through the scope of self-payment, it broke through the specific guarantee of 15 high drug cost.
These 15 specific high-value drugs basically cover the high incidence of many common diseases, but a small number of drugs are not covered. Compared with ordinary million-dollar medical insurance, there are some restrictions. This part of the guarantee reimbursement ratio is also 70%, but there is no starting line, which is more humanized.
I hope I can help you.