How to use comprehensive medical insurance in Shenzhen

Insurance Bian Xiao helps you answer, and more questions can be answered online.

There is no personal account for inpatient medical insurance, only comprehensive medical insurance has a personal account.

1. Comprehensive medical insurance: both deep households and non-deep households can participate. Pay more, Shenzhen hukou must participate in comprehensive medical insurance. You can buy medicines in pharmacies, see outpatient clinics, stay in hospitals, enjoy reimbursement for serious illness outpatient clinics, and enjoy maternity insurance. Foreign urban hukou can also buy comprehensive medical insurance, as long as the work unit is willing.

2. Hospitalization medical insurance: less than comprehensive medical insurance. You can enjoy a small amount of outpatient reimbursement and maternity insurance benefits, and you can see the outpatient clinic, but you need to go to the bound social health center.

Generally speaking, comprehensive medical insurance and hospitalization medical insurance are the same in hospitalization reimbursement treatment, except that comprehensive medical insurance has a personal account, which can go to a pharmacy to buy medicine and also reimburse part of outpatient expenses. In-hospital medical insurance can only be reimbursed for hospitalization, and only the highest 800 yuan outpatient service can be reimbursed within one year.

The monthly fee is different:

1. Comprehensive medical insurance: individuals pay 2%, the minimum base is 2 173 yuan (calculated by 362 1 yuan *60%), and 43.46 yuan is deducted from the salary every month. The unit pays 5% (comprehensive insurance+local supplement+maternity insurance), namely 108.65 yuan. Individual and unit pay 152.6438+0 1 yuan/month. Comprehensive medical insurance is the most comprehensive, including outpatient, inpatient and maternity insurance. You can choose a designated medical institution for medical treatment. Monthly payment is much more than hospitalization and cooperative medical care.

2. Hospitalization medical insurance: the individual pays 0.2%, with the base of 2 173 yuan, and 4.346 yuan is deducted from the salary every month. The unit pays 0.7%, namely 15.5438+0 1 yuan. Individuals and units pay 19.557 yuan every month. Serious illness and hospitalization are the same as comprehensive treatment. You need to go to the bound social welfare clinic to see the clinic. The annual outpatient fee is capped at 800.