Can cold medical insurance be reimbursed?

Cold medical insurance is generally not reimbursed.

If you want to use basic medical insurance for reimbursement, the medical expenses you spend need to reach the specified deductible line. Although the minimum payment standards stipulated by different places and the minimum payment lines of different levels of hospitals will be different, they are usually thousands. When treating a cold, whether it is to buy medicine or intravenous drip, usually the medical expenses will not be several thousand, and they are basically at their own expense.

The analysis of reimbursement regulations and application process of cold medical insurance refers to a detailed analysis of the relevant regulations and application process of reimbursement of cold illness through medical insurance. According to the medical insurance policy, colds are common diseases and can generally be treated in hospitals or clinics. With a valid medical insurance card, the expenses shall be settled according to the stipulated self-payment ratio. Specific reimbursement provisions include reimbursement ratio, reimbursement scope and reimbursement limit. The application process mainly includes the steps of seeing a doctor, collecting relevant medical certificates and expense invoices, and filling out an application form for reimbursement. When applying, please pay attention to fill in the information accurately, keep the relevant documents, and submit the application according to the specified time and channels. Knowing the reimbursement regulations and application process of cold medical insurance in time can effectively reduce the burden of medical expenses and ensure the protection of legitimate rights and interests.

To sum up, the scope of medical insurance reimbursement includes drugs, medical services and assistive devices in the basic medical insurance drug list. Specifically, minor illnesses such as colds belong to the scope of medical insurance reimbursement, but it should be noted that medical insurance has an upper limit on the amount of reimbursement for these minor illnesses and needs to meet certain reimbursement conditions. Therefore, it is necessary to pay attention to the choice of designated hospitals for medical insurance in order to enjoy more reimbursement benefits.

Legal basis:

People's Republic of China (PRC) social insurance law

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.