What is the medical insurance deductible line in Jinan?

Jinan medical insurance deductible line:

1. Upper limit of annual reimbursement for outpatient service: 20,000 yuan. Deductible: On-the-job personnel 1.800 yuan, with the reimbursement rate starting from 70%. Retirees 1.300 yuan, the reimbursement rate is 85%;

2. Upper limit of annual reimbursement for hospitalization: 300,000 yuan. Deductible line: No matter whether employees or retirees are hospitalized for the first time1.From 300 yuan, the reimbursement rate is 85%. Second hospitalization, from 650 yuan, reimbursement rate: 85%;

3. Major diseases: The part of self-paid medical expenses that exceeds the per capita disposable income of urban residents in this city last year shall be calculated by stages and paid cumulatively. Under 50,000 yuan, the reimbursement rate starts from 50%, and over 50,000 yuan, the reimbursement rate starts from 60%, with no upper limit.

Reimbursement method of medical insurance:

1. When purchasing medicine, the cardholder will go to the designated medical insurance institution to purchase medicine, and the expenses will be paid by the personal account. Medical insurance is divided into two accounts, personal account, and the money reflected in the medical insurance card can be bought at the designated pharmacy, and the outpatient expenses are paid and the hospitalization expenses are paid. The overall account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the overall account;

2. Go to the outpatient clinic and keep the original diagnosis certificate, medical records, report forms and expense receipts. And go to the local social security agency for reimbursement. When seeking medical treatment, show the medical insurance card to the designated hospital to prove the identity of the insured. At the time of checkout, the part paid by the individual is paid by medical insurance card or cash, and the part reimbursed by medical insurance is settled by medical insurance and hospital, and the individual does not need to pay first and then reimburse;

3, when in hospital, save a certain amount of money first, when discharged from hospital, pay and settle according to the proportion of medical insurance reimbursement, refund more and make up less. There is a deductible for hospitalization reimbursement, which means that you need to pay the deductible, and the part that exceeds the deductible can be reimbursed according to local medical insurance regulations. The reimbursement rate varies from place to place, about 75%.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

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.