Is there a second reimbursement for teachers' medical insurance?

The second reimbursement of medical insurance is a supplementary reimbursement of medical insurance, but it is not mandatory, and not everyone can make a second reimbursement. Only those who have participated in the new rural cooperative medical system or medical insurance for urban and rural residents are eligible to use it, and only when certain conditions are met can the second reimbursement be successfully carried out.

1. Generally, medical insurance can only be reimbursed if you are hospitalized, and the company's second reimbursement is the self-funded part of hospitalization medical insurance. So you can't use the medical insurance card to reimburse the doctor, you can only use the money on the card. It is the same to withdraw cash without a medical insurance card.

2. In addition, serious illness insurance is carried out, and basic medical insurance covers all urban and rural residents. If the personal out-of-pocket expenses incurred by these people exceed a certain amount, they will be reimbursed by serious illness insurance for more than 50%. As for how to judge if it exceeds a certain amount, the document stipulates that in principle, local governments take the annual per capita disposable income of urban and rural residents published by the statistics department as the main calculation basis.

After exceeding a certain amount, this fund will be reimbursed. This reimbursement is also segmented, that is, the higher the medical expenses, the higher the reimbursement ratio. Judging from the pilot projects in previous years, it is generally between 50 and 80. Of course, after this reimbursement, most out-of-pocket expenses can be reimbursed at least 50%, which can effectively reduce the burden of personal expenses and prevent poverty due to illness.

Generally speaking, after the first reimbursement, the self-paid part of the insured includes three parts: hospital threshold fee (hospitals of different levels)+unfinished part within the scope of medical insurance reimbursement+part outside the scope of medical insurance reimbursement (that is, it cannot be reimbursed).

1. And "secondary reimbursement for medical insurance" means that after the first reimbursement, the part of the insured who has not been reported in the medical insurance reimbursement scope is reimbursed for the second time, and this part of the expenses can only be reimbursed if it exceeds 600 yuan.

2. Brief introduction of "hospitalization secondary medical insurance": coverage: hospitalization due to illness (including emergency observation and hospitalization), outpatient specific items and outpatient chronic disease treatment, death or disability caused by accidents and burns. Conditions for participation: All employees (including party and government organs and institutions with free medical care) who are basically in medical insurance coverage 16~60 years old can participate.

After the expenses incurred in the designated medical institutions of basic medical insurance that meet the reimbursement scope of basic medical insurance for urban and rural residents are reimbursed by basic medical insurance, the expenses paid by urban residents within the scope of basic medical insurance policy exceed the annual per capita disposable income of urban residents in the previous year, and the expenses paid by rural residents within the scope of basic medical insurance policy exceed the annual per capita net income of rural residents in the previous year (referred to as "deductible") are included in the scope of major illness insurance payment for urban and rural residents for "secondary reimbursement".