Scope of application and preferential policies of Shenzhen comprehensive medical insurance
Like most medical insurance, Shenzhen comprehensive medical insurance has strict regulations on the types and scope of reimbursement. The personal account of the insured person of Shenzhen Comprehensive Medical Insurance is used to pay the basic medical expenses of the insured person's outpatient service, the expenses of using drugs and diagnosis and treatment items in the local supplementary medical insurance drug list, and the expenses of purchasing prescription drugs in designated retail pharmacies. Personal account points can also be used to pay for children's health examination, vaccination fees and outpatient medical expenses who have participated in children's hospitalization and serious illness outpatient medical insurance. Or buy non-prescription drugs within the scope of the basic medical insurance drug list and the local supplementary medical insurance drug list at designated retail pharmacies. In addition, the outpatient drug expenses incurred by Shenzhen comprehensive medical insurance insured in the designated community health center of this city are in line with the basic medical insurance drug list and the local supplementary medical insurance drug list. 30% is included in the scope of the basic medical insurance serious illness pooling fund and paid by the local supplementary medical insurance fund, and 70% is paid by the personal account. However, those who suffer from serious outpatient illness shall be subject to the relevant provisions of medical insurance. After the insured person of Shenzhen comprehensive medical insurance needs to be approved by the designated medical institution agreed by the municipal social insurance institution due to illness, 80% of the expenses incurred in the outpatient examination and treatment of large medical equipment will be included in the accounting scope of the basic medical insurance serious illness pooling fund. I just sorted out the relevant contents about buying insurance for physical examination, hoping to help you: Do you need a physical examination before buying insurance?
Frequently asked questions of Shenzhen comprehensive medical insurance
Regarding the comprehensive medical insurance in Shenzhen, many insured people will ask: What relevant materials do you need to bring for reimbursement of medical expenses? First of all, the most cost-effective is the original charge receipt. Followed by a detailed list of expenses and a copy of outpatient medical records or inpatient medical records. It should be noted that these lists and copies need to be stamped with the official seal of the medical institution. Finally, the disease diagnosis certificate and the social insurance certificate of my employees. In addition, when many insured people are in hospital, they are often unable to go through the accounting procedures because they don't bring their medical insurance cards or their medical insurance cards are degaussed, and their computers are out of order. If there is a similar situation, you can pay the deposit for inspection first, and then the consumer will make up the account according to the regulations of the hospital and refund the deposit. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!
Different regions have different regulations on comprehensive medical insurance, and there are some subtle differences in some specific implementation details. Some consumers are optimistic about individual comprehensive medical insurance, but they cannot apply for comprehensive medical insurance due to their own conditions. At this time, consumers can choose other insurance. Nowadays, there are more and more types of insurance, and the comprehensive accident insurance provided by some insurance companies can also provide the same medical security, which not only protects the general accidents and traffic accidents in work and life, but also provides outpatient and inpatient medical security. Therefore, consumers do not have to worry too much because they cannot apply for comprehensive medical insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China