Is the medical insurance card is accumulated 1800 before reimbursement?

1800 yuan refers to the expenses eligible for reimbursement by the medical insurance, not the total amount. Each natural year is a cycle of cumulative calculation, more than 1800 yuan will be reimbursed.

The details are as follows:

1. All the expenses below 1800 yuan will be paid out of pocket, and only the part above 1800 yuan will be reimbursed according to the proportion.

2. 1800 yuan is set by the government. Individuals cannot change it. It is the portion of the $1800 or more that is reimbursed on a sliding scale if you spend a total of $1800 or more each year. It's not $1800 or more every time to be reimbursed.

3. Generally, you can be reimbursed only if you have had social security for more than 3 months prior to your visit.

4. In large companies, there is usually a company treasurer to help you with the reimbursement process. But nowadays, you can usually get reimbursed directly with your social security card. But because outpatient visits rarely exceed 1,800 yuan, so it is also the first out-of-pocket payment, if the cumulative total exceeds 1,800 yuan, you can directly pay the out-of-pocket portion, which means you can be reimbursed at that time.

Generally speaking, the economic development of different regions is different, so the reimbursement rate is also different, take the situation of the ratio of Beijing employee health insurance insurance as an example. If you are an active employee, you will be reimbursed for medical expenses of more than 1,800 yuan for outpatient and emergency visits to hospitals, and the reimbursement rate is 50 percent.

If you are a retiree under 70 years old, you can be reimbursed for expenses over $1,300, and the reimbursement rate is 70 percent. If the retiree is over 70 years old, expenses over $1,300 can be reimbursed the reimbursement rate is 80 percent.

Legal basis

The Social Insurance Law of the People's Republic of China

Article 2: The State establishes a system of social insurance covering basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, and maternity insurance, and guarantees the right of citizens to obtain material assistance from the State and society in accordance with the law in the event of old age, sickness, industrial injury, unemployment, or maternity. society in cases of old age, sickness, industrial injury, unemployment and maternity, in accordance with the law.

Article 26 The standards of treatment for basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with State regulations.

Article 28 Medical expenses that conform to the basic medical insurance drug catalog, diagnostic and therapeutic items, standards of medical service facilities, as well as those for emergency treatment and rescue, shall be paid out of the basic medical insurance fund in accordance with the state regulations.