Medical insurance for migrant workers in Shenzhen

Insurance Bian Xiao helps you answer, and more questions can be answered online.

1. There are three kinds of medical insurance in social security: cooperative medical care (for migrant workers), hospitalization and comprehensive medical care.

Let me remind you that comprehensive medical enterprises pay a large proportion, and the minimum wage is 2 175. You pay 200 yourself and the company pays about 400. Non-deep households are not forced to buy. The enterprise has the right not to buy it for you.

2. There are two possibilities for seeing a doctor: outpatient service and hospitalization (surgery).

3. (Migrant workers) The outpatient service of cooperative medical care is reimbursed in proportion, but the use of drugs is limited, which means that some drugs are not reimbursed. For in-patient surgery, the proportion of in-patient medical expenses in a first-class hospital is 90%; Referral to secondary hospitals in the city, tertiary hospitals in the city and hospitals outside the city, the proportion of hospitalization medical expenses paid is 80%, 70% and 60% respectively. The use of drugs is also restricted. But there are nearly 20 thousand kinds of drugs that can be used, which is basically enough.

4. Hospitalization should go to the community health center for the record, and medicines are limited. Proportional reimbursement is a bit like cooperative medical care. However, 90% (95% of retirees) is paid by the inpatient medical expenses pooling fund.

5. Comprehensive medical services have outpatient fees deposited in the card every month, and the part that does not exceed the balance can be swiped. The outpatient expenses of the above departments are all at their own expense. The cost of hospitalization is the same.

Usually there are more minor illnesses, and cooperation is better. I am a doctor of comprehensive medicine. Last time I saw a cold, I spent a year's outpatient expenses and finally paid hundreds.

But if you need to be hospitalized, it is best to be hospitalized or integrated.