How to handle children's medical insurance?

The handling process of children's medical insurance is:

1. The guardian applies to the labor security service center by himself;

2. Provide the original and photocopy of the household registration book and ID card;

3. Pay residents' medical insurance premiums and get medical insurance cards.

The basic medical insurance for urban residents combines individual contributions with government subsidies.

A, children's medical insurance card processing method

It is best to apply within three months after the baby is born, because many places have opened a "green channel" for the baby, that is, those who apply for a medical insurance card within three months after the baby is born will enjoy medical insurance benefits from the date of birth. If it is more than three months and less than one year, then you will enjoy medical insurance benefits from the next month. Those over one year old will have to wait for 65438+ 10/month 1 next year to enjoy medical insurance benefits.

After handling the medical insurance card, the individual pays part of the money and financial subsidies. You can use this money to buy medicine. Children's resistance is poor, and they can get financial subsidies for medical insurance cards.

If the baby is sick and hospitalized, he can be reimbursed according to a certain proportion after handling the medical insurance card. The reimbursement rates of first-,second-and third-level hospitals are 80%, 70% and 60% respectively, and the maximum payment limit of the overall fund is 50,000 yuan, and the maximum payment limit of medical insurance for serious illness reaches 6,543,800 yuan.

Second, the children's medical insurance process

1, prepare the information.

Prepare the materials for children's medical insurance, including marriage certificate, husband and wife's ID card, child's birth certificate, household registration book and one-inch photo of the child. Except for one-inch photos, all these materials should be original and photocopy.

Step 2 go to the community office

Take the information you have prepared and go to the community office in your neighborhood. If it is an old community, just go to the neighborhood Committee office and find the person in charge of community social security. After the information is handed in, it will take some time to get the medical insurance card, and a certain fee will be paid.

3. Unified management of the school.

If your child is already in primary school, the school will organize social security medical insurance in a unified way. You can prepare the information and hand it in when the school informs you to handle it.

4. Renewal of medical insurance card

The social security medical insurance card needs to be changed every year. If you don't renew your insurance, you can't enjoy the children's medical insurance policy of that year. You have to pay a certain amount to enjoy the medical insurance policy when you use it in the hospital. The requirements in each region are different. You must consult clearly when you run a medical insurance card in the community.

Three, children's medical insurance for commercial insurance process

1, select an insurance company.

At present, there are many children's medical insurance in commercial insurance. First of all, choose an insurance company, not a company that is too small. Companies that are too small are afraid that they won't last long, so they choose bigger ones with good reputation. You can ask friends around you or the mothers of children you know, or you can search or consult Baidu.

Step 2 Choose medical insurance coverage

There are many kinds of children's medical insurance now, and many of them can only buy medical insurance after buying the main insurance. If you have already bought insurance for your child, you can add another medical insurance; If you haven't bought insurance for your child before, you can buy a one-year medical insurance every year, but generally this one-year medical insurance only covers hospitalization, not outpatient service, so it can be combined with social security children's medical insurance.

3. Prepare purchasing materials

After choosing an insurance company or insurance type, call the insurance salesman. If you don't know the telephone number of the insurance salesman, you can search for the telephone number of the insurance company on Baidu. Calling customer service will arrange insurance business personnel to come to serve you. You can prepare the information you want to buy according to the requirements of the insurance company.

Legal basis:

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

Article 25 The state establishes and improves the basic medical insurance system for urban residents.

The basic medical insurance for urban residents combines individual contributions with government subsidies.

People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, 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.