How much can Beijing medical insurance reimburse?

How much Beijing medical insurance can reimburse depends on the specific medical items and reimbursement ratio, and the reimbursement ratio of different medical expenses is different. Under normal circumstances, basic medical insurance can be reimbursed for about 80%, and serious illness insurance can be reimbursed for more than 85%.

How much Beijing medical insurance can reimburse mainly depends on the reimbursement ratio of different medical projects. According to the regulations of Beijing Medical Insurance Bureau, the medical expenses within the scope of medical insurance reimbursement include medicine expenses, examination expenses, treatment expenses, operation expenses and rehabilitation expenses. , but the specific reimbursement ratio varies from project to project. Under normal circumstances, about 80% of Beijing's basic medical insurance can be reimbursed, and individuals need to pay for it themselves. The reimbursement ratio is adjusted according to different medical items. Beijing's serious illness insurance can be reimbursed for more than 85%, aiming at large medical expenses, which belongs to the key protection object of medical insurance. It should be noted that the medical expenses that can be reimbursed by medical insurance are still limited. For example, only medical services provided by medical institutions stipulated by the state can be reimbursed, and medical services provided by illegal medical institutions such as private clinics cannot be included in the scope of reimbursement. At the same time, it is necessary to obtain the consent of the medical insurance agency before reimbursement, and go through the corresponding reimbursement procedures.

If medical insurance cannot cover personal medical expenses, is there any other supplementary medical insurance that can be purchased? Yes, when medical insurance can't meet the demand of medical security, you can buy commercial supplementary medical insurance to make up for the difference of personal medical expenses, so as to realize more comprehensive medical security. It should be noted that commercial supplementary medical insurance needs to be purchased in a regular insurance company and an insurance plan that meets its actual needs should be selected.

How much medical insurance in Beijing can be reimbursed depends on different medical projects and reimbursement ratios. Residents need to know the scope of medical insurance and the specific reimbursement ratio in order to better enjoy the medical insurance provided by the state. At the same time, commercial supplementary medical insurance can also play a full role when necessary, providing residents with more comprehensive and perfect medical security.

Legal basis:

"People's Republic of China (PRC) Social Insurance Law" Article 23 * * * employees shall participate in the basic medical insurance for employees, and employers and employees shall pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for shed workers and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.