Is life-long medical insurance fully reimbursed?

Lifelong medical insurance is not fully reimbursed. Lifelong medical insurance refers to the category of lifelong medical insurance reimbursement. Individuals do not have to bear all the medical hospitalization expenses. If you are sick at any age, you can go to the hospitalization office with a medical insurance card for the record. At the time of discharge, the hospitalization medical expenses shall be reimbursed according to the normal proportion stipulated by the insured medical insurance bureau.

Medical insurance reimbursement process:

1. The agent submits the reimbursement documents and other materials to the social security agency for acceptance;

2. After receiving the application materials, the accepting department shall review, settle accounts and pay;

3. If the social security agency approves the application, the applicant will be reimbursed after receiving the "Social Medical Insurance Medical Expense Reimbursement Form".

Legal basis: Article 26 of People's Republic of China (PRC) Social Insurance Law.

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

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.