What is the large amount of medical assistance in the social security

The basic medical insurance in the social insurance contains several insurance, such as employee health insurance, resident health insurance, new rural cooperative and many people do not quite understand the big medical insurance. Recently, some people have asked what is the large medical expense subsidy? What does it do? Friends interested in this issue, you can take a look at today's article!

First, what is the large medical expense subsidy

The large medical expense subsidy is in fact the large medical expenses, also known as the employee's large medical insurance.

The workers who have a work unit can be insured on the basis of employee health insurance, enrolled in the large medical expense subsidy, large medical expenses can be more than some of the employees of the basic medical insurance cap line for secondary reimbursement, is essentially a kind of supplemental medical insurance.

The large medical expense subsidy needs to pay additional participation fees, and the employee basic medical insurance is managed separately, usually a year to pay a premium, each place need to pay different premiums, a year probably need a few tens of dollars.

Second, the large medical expenses subsidies can play a role

Large medical expenses subsidies can be reimbursed by the medical insurance reimbursement of personal out-of-pocket expenses department, mainly the following two reimbursement responsibilities:

1, outpatient medical expenses subsidies: generally only reimbursement of some special outpatient or outpatient surgery, such as renal dialysis, organ transplants, cancer chemotherapy, etc., in the employees after the reimbursement of the basic health care insurance, the individual out-of-pocket expenses 1500 ~ 10000 yuan, the out-of-pocket expenses of the individual. After the employee's basic medical insurance reimbursement, the part of personal out-of-pocket expenses between 1500 and 10000 RMB can be reimbursed by the large medical expense subsidy, and the reimbursement rate is generally about 40%.

2, hospitalization medical expense subsidy: can be more than the starting line of the individual out-of-pocket part of the subsidy, the general third-class medical institutions can be subsidized by 20%, second-class medical institutions can be subsidized by 30%, the first-class medical institutions can be subsidized by 40%. It can also reimburse medical expenses above the basic medical insurance ceiling, with a reimbursement rate of about 90%.

Third, what is the difference between the large medical expenses subsidies and residents of the medical insurance

large medical expenses subsidies and residents of the medical insurance subsidies mainly in the payment method and reimbursement standards are different:

1, the payment method: the large medical expenses subsidies need to pay their own additional contributions, you need to pay a few tens of dollars a year; the residents of the medical insurance does not need to pay additional contributions, is directly included in the residents of the medical insurance.

2, reimbursement standards: large medical expenses subsidies are more than the basic medical insurance to pay the maximum limit of the part of the subsidy; residents of the medical insurance is reimbursement of 20 kinds of specific diseases medical expenses, the second reimbursement of the cost of major diseases.

What is about the large medical expense subsidy, what can play a role in the whole content is said here, large medical expense subsidy is actually the employee's large medical insurance, can be more than the basic medical insurance ceiling line of medical expenses for subsidies.