Beijing Resident Medical Insurance Reimbursement Ratio 2024

The exact rate will be affected by a number of factors, including the type of medical program, the level of the medical institution, and the individual's health insurance contribution.

Overview of Beijing residents' health insurance reimbursement rates

According to Beijing's health insurance policy, the reimbursement rates for residents' health insurance usually cover a wide range of outpatient and hospitalization medical expenses. These expenses include drug costs, examination costs, treatment costs, surgical costs, etc. The reimbursement rates vary depending on the medical program, the level of the medical institution and the individual's health insurance contribution.

In 2024, it is expected that Beijing's health insurance policy will continue to be improved and optimized to provide residents with more comprehensive and efficient medical protection. As a result, specific reimbursement rates may be adjusted, and residents should pay attention to the latest developments in their local health insurance policies in order to stay informed.

2. Factors affecting reimbursement rates

1. Types of medical programs: The reimbursement rates may vary for different medical programs, such as outpatient, inpatient, and special diseases. Generally speaking, the reimbursement rate for inpatient treatment is usually higher, while the reimbursement rate for outpatient treatment is relatively lower.

2. Level of medical institution: The higher the level of medical institution, such as a tertiary hospital, the lower the reimbursement rate may be. This is because higher level medical institutions usually charge higher fees, so the reimbursement rate will be lower accordingly.

3. Individual health insurance contribution: The amount of individual health insurance contribution will also affect the reimbursement rate. Generally speaking, the higher the contribution, the higher the reimbursement rate you can enjoy.

Three, how to check the specific reimbursement rate

Residents can check the specific reimbursement rate through the official website of Beijing Municipal Bureau of Medical Insurance and the medical insurance service window. Meanwhile, you can also pay attention to the local media's interpretation of health insurance policies and reports, so as to keep abreast of the relevant information.

In summary:

Beijing residents' health insurance reimbursement rate of 2024 is the percentage of medical expense reimbursement that residents can enjoy after joining the medical insurance, and the specific rate will be affected by the type of medical items, the level of the medical institution as well as the individual's contribution to the medical insurance and other factors. Residents should pay attention to the latest developments in their local health insurance policies and inquire about the specific reimbursement rates through the relevant channels, so that they are fully aware of their rights and entitlements when seeking medical treatment.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 23 stipulates:

Employees should participate in the basic medical insurance for employees, and the employer and the employee should pay the basic medical insurance premiums in accordance with the state regulations***.

Individual industrial and commercial households without employees, part-time workers who do not participate in the basic medical insurance for employees at their employing organizations, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.

Article 28 stipulates:

Medical expenses that are in line with the basic medical insurance drug list, diagnostic and treatment items, standards of medical service facilities, as well as those for emergency and rescue, shall be paid out of the basic medical insurance fund in accordance with state regulations.