How much do you know about the reimbursement rate and deductible of medical insurance?

The reimbursement ratio of commercial medical insurance is that after social security reimbursement, the remaining unreclaimed part is reimbursed according to the contract ratio. Among them, commercial medical insurance is reimbursed with a deductible, and medical expenses are reimbursed after deducting the deductible. Then let's look at the insurance ratio of social medical insurance. What is the deductible? What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020

1. What is the reimbursement rate of social medical insurance?

The coverage ratio and scope of medical insurance are different in different regions. The following data are for reference only, and the specific reimbursement rules are implemented according to local standards.

One is a child.

If the reimbursable medical expenses are less than 6.5438+0.8 million yuan, the reimbursement rate of tertiary hospitals is 55%; The reimbursement rate of secondary hospitals is 60%; There is no Qifubiaozhun in first-class hospitals, and the reimbursement rate is 65%. This shows that the proportion of hospitalization reimbursement under different medical conditions is different.

The second is middle-aged and elderly people.

Reimburseable medical expenses are less than 654.38+10,000 yuan, and the reimbursement rate of tertiary hospitals is 50%; The reimbursement rate from secondary hospitals is 60%; There is no Qifubiaozhun in first-class hospitals, and the reimbursement rate is 65%. Basically, compared with children, the reimbursement rate is slightly lower. What kind of critical illness insurance are there for children? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.

Third, other urban residents.

Reimburseable medical expenses are less than 654.38+10,000 yuan, and the reimbursement rate of tertiary hospitals is 50%; The reimbursement rate for hospitalization in secondary hospitals is 55%; There is no Qifubiaozhun in first-class hospitals, and the reimbursement rate is 60%. Compared with the elderly, the reimbursement rate is lower. Parents are old, how to buy insurance? I just sorted out the relevant contents, hoping to help you: buy insurance for parents and the elderly, and be sure to avoid these pits!

2. What are the types of deductible of medical insurance?

1, relative deductible: refers to the part that can be included in the deductible for reimbursement of medical insurance or free medical care.

For example, if the deductible is 65,438+0,000 RMB, we actually spend 2,000 RMB, and we can reimburse the expenditure of 2,000 RMB in the case of relative deductible.

2. Absolute deductible: refers to the part that is not included in the deductible for medical insurance or medical reimbursement at public expense.

For example, if the absolute deductible is 2000 yuan and the medical expenses are 2500 yuan, then the extra 500 yuan is the reimbursable part. This method is basically used in the insurance that we come into contact with in our daily life.

The above is the knowledge about the proportion of medical insurance reimbursement and deductible to share with you. At the same time, I also remind you that medical insurance is a reimbursement product. As long as the insurance coverage is sufficient, I hope it will help you.