How much is the annual limit of the medical insurance card

How much is the amount of medical insurance card in a year:

1. The maximum reimbursement of urban workers' medical insurance is outpatient:20,000 yuan; hospitalization:300,000 yuan.

2. The maximum reimbursement for urban residents' medical insurance is outpatient:2,000 yuan; hospitalization:170,000 yuan.

At present, factors such as rural, urban, hospital level and the age of the patient may affect the starting amount and reimbursement rate. The amount of general residents' health insurance is: the annual limit for the basic health insurance fund to pay outpatient medical fees for general diseases is 1,500 yuan for active employees and 2,500 yuan for retirees.

A, what is health insurance

Urban and rural residents' basic medical insurance is the integration of urban residents' basic medical insurance (referred to as urban residents' medical insurance) and the new rural cooperative medical care (referred to as New Rural Cooperative Medical Care) two systems, the establishment of a unified urban and rural residents' basic medical insurance (referred to as urban and rural residents' medical insurance) system. The difference between the general medical insurance and the residents' medical insurance is as follows:

1, the object of participating in the residents' medical insurance is the residents who do not have a job;

the object of the employees' medical insurance is the work unit or the flexible employment personnel, etc.

2, the residents' medical insurance is paid by the individual; the employees' medical insurance is paid by the unit and the individual **** the same;

3, the residents' medical insurance treatment is less than that of the employees' medical insurance.

3, the residents of the medical insurance treatment is lower than the employee medical insurance.

Second, the use of health insurance card

1, the use of health insurance card: insured workers in designated hospitals, pharmacies, medicine purchase, you can use the password in the POS machine card, but can not withdraw cash or transfer to use.

2. Balance inquiry of medical insurance card: insured workers can inquire about the balance by calling the telephone, or inquire at the savings office of the Bank of China or designated hospitals and pharmacies in urban areas. You can also go online and log in the social security inquiry system to check.

3. Transaction inquiry of medical insurance card: Insured workers can go to the savings office of BOC with their ID cards and medical certificates to ask for a printout of the transaction records of their medical insurance cards, including the records of disbursement of personal account funds and consumption records. If you have any questions about the transaction records, you can go to the Retail Business Department of BOC to make inquiries.

4. Password of medical insurance card: If the insured workers change their passwords, they can call the phone number to change it, or they can go to the savings office of BOC with their ID cards to change it. If the insured employee forgets the password, he can go to the savings office of the Bank of China with his ID card to lose the original password and change the password.

5. Custody of medical insurance card: insured employees should keep their medical insurance cards properly. If they lose their cards inadvertently, they should immediately go to the unit to issue a letter of proof and go to the medical insurance office to confirm the seal, and then go to the savings office of the Bank of China with their ID cards to report the loss of the card and go through the procedure of replacing the card, and then they can get a new card after 7 days.

6, Note:

In the pharmacy 100% of their own responsibility, hospitalization in order to enjoy the reimbursement rate (also have to be within the scope of health insurance).

Hospitalization in the health insurance coverage, according to the actual amount spent, such as: spend 10,000 yuan reimbursement range between 55% -65%.

Three, the health insurance card replacement process

(a) If the card before and after the replacement of the same bank, the person with a valid ID to the employee health insurance card service bank for lost procedures, the street labor security service center with the bank's "lost notice" and my valid ID, acceptance of social security card claims, the time is 45 working days. After receiving and funding the social security card, the amount in the original medical insurance card is automatically transferred to the social security card, without the need to clear the account.

(ii) If the bank is not the same before or after the card is replaced, the process of receiving the social security card is the same. However, the amount in the original health insurance card will not be automatically transferred to the social security card, you need to go to the social security sub-center of the insured district with your valid ID, and issue a "Notice of Employee Health Insurance Card Clearance". With the notification form and your valid ID, you can go to the bank where you used to have your medical insurance card and have your account cleared.

Legal Basis

Article 23 of the Social Insurance Law of the People's Republic of China

Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall pay the basic medical insurance premiums in accordance with the state regulations***.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.