What expenses are generally reimbursed by medical insurance?

1, general medical insurance. It mainly includes outpatient expenses, medical expenses and inspection expenses.

2. Hospitalization insurance. Mainly the daily hospitalization expenses, hospital equipment use expenses, operation expenses, medical expenses and so on.

3. Surgery insurance. Provide all expenses incurred due to the patient's need for necessary surgery.

4. Comprehensive medical insurance. Its cost range includes all expenses such as medical treatment, hospitalization and surgery.

5. Special disease insurance. Some special diseases often bring disastrous expenses to patients, which ordinary families can't bear. Such as cancer and heart disease. The major diseases that provide protection for the insured can be single diseases, such as malignant tumors, or even some cancers in malignant tumors.

The classification of medical insurance reimbursement and the items included are as follows:

1, general medical insurance. It mainly includes outpatient expenses, medical expenses and inspection expenses.

2. Hospitalization insurance. Mainly the daily hospitalization expenses, hospital equipment use expenses, operation expenses, medical expenses and so on.

3. Surgery insurance. Provide all expenses incurred due to the patient's need for necessary surgery.

4. Comprehensive medical insurance. Its cost range includes all expenses such as medical treatment, hospitalization and surgery.

5. Special disease insurance. Some special diseases often bring disastrous expenses to patients, which ordinary families can't bear. Such as cancer and heart disease. The major diseases that provide protection for the insured can be single diseases, such as malignant tumors, or even some cancers in malignant tumors.

Can the money in the medical insurance be taken out?

The money in medical insurance is generally not available.

But in the following three cases, the money in the medical insurance card can be withdrawn and used:

1. The medical insurance card is terminated. If the insured dies, the relatives can go through the surrender formalities with the death certificate;

2. The insured emigrates. Handle the withdrawal formalities with the certificate issued by the public security department;

3. Transfer in different places. After local insurance, the balance of medical insurance account can be transferred to a new account.

Medical insurance refers to social medical insurance. It is a social insurance system that meets the basic medical needs of the state and society according to laws and regulations when workers are sick. The advantage of medical insurance is to enjoy treatment according to uniform standards. The same access conditions, the same fees, the same treatment, there is no difference between high and low. The outpatient expenses of employees can be deducted from their personal accounts and paid by employees after deduction. Employees' hospitalization expenses are reimbursed in proportion, usually 86% of the expenses of 1 1,000 yuan, 88% of the expenses of 1 1,000-20,000 yuan and 92% of the expenses of 20,000-40,000 yuan. If employees have not been sick for several years in a row, personal account funds can be accumulated.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.