How many years does Hangzhou medical insurance have to pay to enjoy it for life?

Hangzhou medical insurance can only be enjoyed for life after paying for 20 years. Details are as follows:

1, Hangzhou medical insurance payment period: 20 years;

2. Hangzhou medical insurance reimbursement treatment: the reimbursement rate of insured persons above hospitalization deductible line has increased. Specifically:

(1) The reimbursement rate for hospitalization of provincial residents increased by 15 points on the original basis, reaching 80%;

(2) In terms of hospitalization, the reimbursement rate increased by 10, reaching 75%;

(3) For those hospitalized in hospitals outside the city, the reimbursement rate will be increased by 10 on the original basis, reaching 70%.

Scope of use of medical insurance card:

1, the insured employees can use the password on the POS card to buy medicines in designated hospitals and pharmacies, but they cannot withdraw cash or transfer money. That is, the scope of use of urban medical insurance cards is also applicable to the scope of use of rural medical insurance cards.

2. Designated pharmacies: Medical insurance consists of two accounts: personal account and overall account. Personal accounts can be used to buy medicines at designated pharmacies, and are mainly responsible for the payment of outpatient expenses and hospitalization expenses paid by individuals. The overall account managed by the medical insurance center pays the expenses incurred by the insured who meet the local medical insurance reimbursement;

3. Designated hospitals: When you go to a designated hospital for medical treatment, you can show your medical insurance card to prove your enrollment and registration. Individuals do not need to pay first and then reimburse, and can directly settle medical insurance reimbursement with the hospital. Only when the account is settled can the self-funded part be paid with the balance of the medical insurance card or cash.

To sum up, in order to avoid problems such as inconvenient settlement of medical expenses and difficult reimbursement, medical insurance cards can usually only be used in the issuing city. For some special circumstances, such as sudden illness, business trip and other situations that require medical treatment in different places, cross-regional settlement and reimbursement can be made through medical insurance networking. This requires going to the local social security bureau for cross-regional medical insurance settlement and filing procedures before seeking medical treatment. The specific operation process needs to be handled according to the regulations of different regions.

Legal basis:

"Detailed Rules for the Implementation of People's Republic of China (PRC) Social Insurance Law" Article 8.

The medical expenses incurred by the insured in the agreed medical institutions that meet the basic medical insurance drug list, diagnosis and treatment items and medical service facilities standards shall be paid from the basic medical insurance fund in accordance with state regulations. If the insured really needs emergency treatment and rescue, he can seek medical treatment in a non-agreement medical institution; The scope of drugs that must be used for rescue can be appropriately relaxed. The specific measures for the administration of emergency and rescue medical services of the insured shall be formulated by the overall planning area according to the local actual situation.