In-patient medical insurance in HKU hospital

Both of your medical insurance can be reimbursed. I extracted some information from the "Safe Harbor" website for your reference:

There are two ways to reimburse the basic medical insurance for urban residents:

The first is online settlement. When the insured person visits a designated medical institution that has implemented online hospitalization settlement or quotation settlement, he only needs to pay part of the expenses that should be paid by the individual at the charging window of the designated hospital, and the rest of the expenses shall be settled with the designated medical institution by the social security center according to the regulations.

The second is the reimbursement paid in full. The medical expenses incurred by the insured in the medical institutions that have not yet implemented online settlement shall be paid by the individual in advance. After discharge, register with the town labor security service center and its community labor security workstation with the discharge certificate, medical invoice and list of all expenses of designated hospitals, summarize the reimbursement data, and submit them to the social insurance agency for review and settlement. The social insurance agency shall complete the settlement within the specified time and pay the medical expenses for reimbursement according to the regulations.

Procedures for reimbursement of basic medical insurance for urban residents

After the insured patients are discharged from the hospital, they should submit a copy of ① medical record home page (stamped with the seal of hospital medical insurance department), ② discharge summary, ③ receipt of hospitalization expenses, ④ detailed list of hospitalization medical expenses (one-day list), ⑤ copy of medical insurance cash payment form, ⑤ discharge certificate and ⑤ copy of ID card to the community every month before/kloc-0.

Before the 5th day of each month, all communities will report relevant materials and lists to the District Medical Insurance Office.

From 5th to 10 every month, the district medical insurance office will review the relevant bills and calculate the reimbursement amount.

Every month from 12 to 15, report to the municipal medical insurance center for approval.

Pay the reimbursement fee in the first half of the following month. Insured patients need to hold their ID card to the district medical insurance office to receive it.

Taking Chongqing as an example, according to the latest adjustment of reimbursement ratio in Chongqing in 2008, citizens choose the second type of insurance, that is, 200 yuan pays the insurance fee for 60 yuan | years, and the proportion of medical expenses is increased by 10% on the original basis, and the upper limit of medical expenses reimbursement for each insured citizen is 60,000 yuan per year; Citizens who choose a file to participate in the insurance will be reimbursed for their medical expenses according to the local new rural cooperative medical system reimbursement standard, and the annual reimbursement ceiling will be raised from the original 1 10,000 yuan to 30,000 yuan.

Urban and rural cooperative medical insurance is divided into deductible line and capping line. The deductible line is determined according to the level of the hospital, ranging from 200 yuan to 1 1,000 yuan. The medical expenses paid by residents to see a doctor are below the deductible line and shall be borne by the insured residents themselves.

According to your contract, you can get compensation from commercial insurance. I suggest you check the relevant information on the website of "Insurance Harbor" first, so as to have a good understanding of insurance reimbursement and avoid disputes in the future.

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Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.