The latest news of Guangzhou medical insurance new policy in 2023

The latest policies of Guangzhou employee medical insurance in 2023 are as follows:

First, the insured went to community hospitals (commonly known as "small hospitals", corresponding to "small points") for medical treatment, and the proportion of outpatient reimbursement for employees' medical insurance insured in Guangzhou increased to 80% simultaneously.

If you go to other selected medical institutions (commonly known as "big hospitals", corresponding to "big hospitals") within 30 days after the first referral, the reimbursement rate (55%) will increase by 10% compared with that of the insured who goes to the big hospitals directly (45%).

Second, hospitalization is not limited by the location.

Reimbursement proportion and payment limit of general outpatient service of employee medical insurance:

1, primary hospitals: 80%.

2, after the success of the designated big hospital, before going to the big hospital for treatment, the proportion of referral reimbursement through primary hospitals is 55%.

3. Without referral from primary hospitals, the reimbursement rate is 45%.

4. Referral procedures shall be handled in primary hospitals, and each referral shall be valid within 30 days. After the expiration of the referral period, it can be handled again. There is no need for a paper referral form, and the Guangzhou medical insurance system will automatically record it.

Medical insurance mainly has the following characteristics:

First, the essence of medical insurance is insurance, which allows everyone to share the cost risk of diseases, especially serious diseases, and reduce the economic burden of patients by reimbursing medical expenses; Medical insurance is not a subsidy. If the raised funds are distributed to everyone, the meaning of insurance will be gone.

The second is the principle of sharing medical insurance, and the financing and payment of medical insurance are shared by units and individuals; Medical insurance is not free medical care, and the medical expenses of patients are shared by medical insurance and myself.

Third, medical insurance is mainly for serious illnesses, and minor illnesses are moderately guaranteed. The ultimate goal is to make the general public affordable. The more serious the illness, the higher the proportion of medical insurance reimbursement. For example, the reimbursement rate of large medical expenses subsidies is as high as 95%.