What are the reimbursement conditions for commercial medical insurance in Shanghai? Can I buy commercial medical insurance with the balance in the medical insurance card?

As we all know, with the gradual improvement of medical living standards, rising prices and the continuous improvement of economic living standards, people have begun to form the habit of buying insurance for themselves and increase the security factor for their lives. Shanghai residents, in particular, have a strong sense of insurance.

What are the reimbursement conditions for commercial medical insurance in Shanghai?

According to the provisions of the Shanghai Insurance Law, those who meet the basic medical items list and diagnosis and treatment items can be reimbursed according to the basic medical insurance. They are:

1, reimbursement of basic medical drugs

According to the classification of drugs, it can be divided into Class A and Class B. Class A drugs are unified throughout the country and can basically meet people's demand for drugs. Such drugs can be reimbursed according to the national unified reimbursement principle.

2, the basic medical insurance treatment project reimbursement

To be reimbursed in the basic medical insurance, the following diagnosis and treatment items must be met:

(1) Clinical diagnosis and treatment must be safe and effective, and the cost should be appropriate;

(2) The price department has set the charging standard;

(3) within the scope of designated medical services provided by designated medical institutions for the insured.

3. Reimbursement of basic medical facilities and services

The reimbursement form of insurance facilities for basic medical services shall be stipulated by designated medical institutions. The life service facilities necessary for the insured during diagnosis, treatment and nursing mainly include the bed fee for hospitalization or the bed fee for outpatient (emergency) observation.

Can I buy commercial medical insurance with the balance in the medical insurance card?

First of all, this policy is 2065438+2007 65438+ 10/,and Shanghai medical insurance account critical illness insurance and commercial medical insurance account hospitalization have just been opened. In other words, if you buy basic medical insurance, you can use the money in the medical insurance card to buy commercial medical insurance. Simply put, you only need to make good use of the remaining money in your card and pay the rest, so you can give yourself an extra guarantee. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!

Finally, the reason why Shanghai medical insurance is so popular is that people in the market have a certain sense of safety about their own lives. When reimbursing, you must also meet your own conditions before you can reimburse.

If you have any other insurance questions, please come: protect more fish and talk about insurance.