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Guangzhou medical insurance deductible standard
Guangzhou's medical insurance deductible standard is 800 yuan, that is to say, within the scope of medical insurance, individuals need to pay their own medical expenses in 800 yuan every year. If the medical expenses of a patient's single outpatient or hospitalization are lower than those of 800 yuan, then all of them will be borne by the individual; Those higher than those in 800 yuan and 800 yuan are paid by the medical insurance fund. The determination of Guangzhou medical insurance deductible standard is related to the level of economic development and the income of urban residents. At present, the state is strengthening the construction of medical insurance system, gradually improving the treatment and coverage of medical insurance, and constantly improving the deductible line of medical insurance and other policy measures. It should be noted that the medical insurance deductible standard is only the minimum requirement for individuals at their own expense. If the patient's medical expenses exceed the deductible standard, individuals also need to bear a certain proportion of their own expenses. Therefore, it is suggested that everyone should pay attention to health, prevent diseases and reduce medical expenses in their lives.
What is the relationship between the medical insurance deductible standard and the reimbursement ratio? The medical insurance deductible standard refers to the minimum amount that individuals need to pay at their own expense, and the medical insurance reimbursement ratio refers to the proportion that exceeds the deductible and is reimbursed by the medical insurance fund. Generally speaking, the higher the medical insurance deductible, the more medical expenses that individuals need to bear, and the proportion of medical insurance reimbursement will increase accordingly.
Guangzhou medical insurance deductible standard is a policy measure to protect the basic medical security rights of the general public. It is hoped that the general public will strengthen their health awareness, prevent diseases and reduce medical expenses in their daily lives. At the same time, the state is constantly improving the medical insurance system, improving the treatment and coverage of medical insurance and providing better medical security for the general public.
Legal basis:
Article 11 of the Regulations on Basic Medical Insurance for Urban and Rural Residents in Guangdong Province shall be paid by the medical insurance fund after the individual's annual medical expenses reach the specified amount, which shall not be less than 5% of the per capita disposable income of urban and rural residents in that year.
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